vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-21 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: The Thomas Agency, Inc.
State: FL

Complaint narrative:
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

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 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hello, About 1 month ago, XXXX 2017, I opened a credit card through XXXX credit services, which they promote ad nauseum on their website. When you activate the card the system asks you if you want future XXXX purchases funded with the credit card, or if you 'd like to keep your regular payment method as the preferred method of payment. I chose NOT to have the new credit to be used as a payment method. I then checked my settings to be sure that my credit card would not be used as the payment method. 

When I made my next XXXX purchase the payment went directly to the credit card. I checked my settings again and they were set to have my bank account as my payment method. I made another purchase through XXXX and it went onto the card again, and then a third time. 

I contacted XXXX and they basically said they must have made a mistake, but there was no way to change the purchase method, it was too late! I then canceled the credit card and my regular XXXX account and told them to send me the bill for the balance on the credit card. They have not sent a bill. I have tried to speak with them on several occasions, simply to pay my bill but they say my account has been closed and they are n't able to see anything in my account. I have asked for a bill over and over again and on several occasions, they have hung up on me or transferred to an automated phone system. This has happened many times. 

I opened the credit account in order to build a credit history and had planned on using it very judiciously, now my credit report states that I have opened too many accounts then closed them. This is fraud. What can I do? There are no email addresses or other phone numbers to use to contact XXXX. I fear my credit is suffering through no fault of my own. 

Thank you for any help you can provide,

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 2017-12-21 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: Midwest Recovery Systems
State: FL

Complaint narrative:
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Byrider Franchising, LLC
State: FL

Complaint narrative:
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: MarkOne Holdings, LLC
State: FL

Complaint narrative:
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 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: AL

Complaint narrative:
I 'm a victim of the breach and also been a victim of identity theft before the breach. I need these hard inquiries removed because I have no knowledge of these. I did n't inquiry for accounts with them. I would like for these to be removed from my reports. 
XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXXl - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX SXXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX : XXXX XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX XXXX of XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX  XXXX - XXXX/XXXX/XXXX XXXX XXXX XXXX - XXXX/XXXX/XXXX FXXXX XXXX XXXX - XXXX/XXXX/XXXX XXXX - XXXX - ID - XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: OR

Complaint narrative:
Saturday, XX/XX/XXXX purchased {$4000.00} of bitcoin through Coinbase with an affiliate link that was supposed to give me a {$10.00} credit as well. Today, XX/XX/XXXX we see market value plummeting given their unfair announcements devaluing my purchase. Get canned responses trying to cancel the still pending transaction that was withdrawn from my bank immediately. However, still can not access or trade my Bitcoin wallet to move my funds to a more secure store or market.

As it is right now Ive lost a 1/4 of my investment without the ability to move/shelter or withdrawal it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Someone tried to obtain a credit card from XXXX through XXXX.I never applied nor would I.Iwrote a letter to XXXX to send a letter of Deletion to Transunion but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from XXXX. I contacted the bank and they said it was not their responsibility to resolve XXXX disputes.Transunion was very hard to reach and said they could not help me without The Letter of Deletion from XXXX The date I was first aware of the fraud was XXXX XXXX,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 explanation
Consumer complaint received 2017-12-21 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: OK

Complaint narrative:
There are multiple accounts of the same collection reporting on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 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: NC

Complaint narrative:
I contacted Equifax via certified mail on XXXX XXXX, XXXX ( tracking number was XXXX ) about collections on my account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that are not mine. I asked Equifax to verify the accuracy of these collections and send me copies of the documents they have on file that verified these accounts. Unde the Fair Credit Reporting Act 15 USC 1681g I have the right to demand copies and no proof was sent to me. I called Equifax on XX/XX/XXXX to get my update I was told by XXXX the accounts came back factual which they arent. I contacted the creditors and collection agencies asking for them to send proof and none was sent but a bill which isnt a contract with my signature or proof of my identity that they would have. I let XXXX from Equifax know I will be filing a complaint and I want proof of the collections or have them deleted off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 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: Early Warning Services, LLC
State: OH

Complaint narrative:
I was not allowed to open a bank account at XXXX because of Early Warning Services. ( EWS ). I requested EWS to send me my report with them at the beginning of the year ( XXXX ) but they did not do this. 

I called them again today and they refused again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Guglielmo and Associates
State: NV

Complaint narrative:
I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XX/XX/XXXX-17 MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I have disputed this debt twice on my credit report, to my knowledge. This collection company states that this debt is from a hospital in Florida- XXXX XXXX XXXX , located in XXXX , Florida . I do not recall ever going to XXXX XXXX in XXXX and I did not live in Florida in XXXX of XXXX, which is reported on my credit report. Capio Partners has listed this debt as opened in XXXX of XXXX for Credit Limit/Original Amount : {$1700.00}. Credit bureaus have certified this information as true but I have never received any documentation that this is my debt. I have received no phone call, no letters- no documentation at all that this debt belongs to me. This violated the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
Back in XXXX, XXXX a judgement of {$6800.00} was added to my credit report by Cavalry SPV I , LLC. I had no idea that this case was going on. A year later the judgement was deleted from my credit report then in XXXX XXXX decided to start reporting the {$6800.00} and then added {$740.00}. I called the company and they gave me the run around about the account. I 'm in the process of trying to buy a home for my family due to my son needing special rails in the house. I 'm seeking to have this removed off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
Hello, I have been using my American Express Business Rewards Gold Card for nearly 3 months and have met the spending requirements to meet the promotional bonus. My Membership rewards was under review for nearly 2 months to make sure I have met spent requirements. I have spent well over 5000 dollars on this account and I am requesting my membership rewards bonus to be put into my account. I have been told a number of things from various representatives from XXXX and I am very disappointed. Thank you for your time reviewing this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
JP Morgan Chase has made an egregious mistake on my credit card account billing me for unauthorized fraudulent activity perpetrated by criminals as a direct result of a loop hole in Chases banking system that erroneously allowed payments to be reversed on my credit card resulting in {$57000.00} in total charges including the original fraudulent amount and interest and fees that have accrued as a direct result of Chases incompetence in not more promptly resolving the matter and greed in wanting to profit from criminal activity while scapegoating the innocent customer into footing the bill. This is not only unlawful but deeply unethical leading to defamation as my credit score has declined resulting in lost employment  opportunities as Im currently unemployed and looking for work as a direct result of this incident and tremendous stress leading to declines in my mental health that have resulted in XXXX, XXXX and thoughts of XXXX. Instead of showing the slightest good will towards a loyal customer, Chase corroborates with the criminals in taking advantage of the innocent at my most vulnerable by providing a banking platform for criminals to carry out their scams while turning a blind eye to the scheme despite repeated notifications to the fraud department as far back as XXXX when I first discovered the scheme and notified police. Furthermore, the eventual tally resulted from not just a single reversal but multiple and after discovering the first one and notifying Chase, Chase did not at all correct the mistake or attempt to stop more from happening on my account. This is in direct violation of the Bank Secrecy Act of 1970.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: ME

Complaint narrative:
I completed a loan application online today for {$12000.00}. I received an email stating the loan request was approved. I submitted my banking account information including a copy of one of my checks, as instructed. I then came to a screen that required me to complete electronic disclosure statements. At that point I decided I wanted to borrow a lower amount, {$8000.00}. There was no screen, tab, etc. that allowed me to change the loan amount, so I called XXXX and spoke with XXXX. She told me that she could not change the dollar amount on her end, but I could request a lower amount by completing a new application. XXXX said that the company would not need to run another full credit check as long as I submitted the new application today. When I applied for the lower amount ( less than an hour later ) I received an email stating it was not approved. I called XXXX and s/w a supervisor, XXXX. I reiterated the above information and XXXX would only tell me " a couple things changed in your application. '' I asked her how anything could change within one hour. XXXX said I probably should not have been approved the first time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Northern Alliance Management, LLC
State: KY

Complaint narrative:
Northern alliance group called saying they were going to notify employer. They wouldnt tell me what loan was for ( amount ) and who it was from. Just what I could pay to take of it. They just wanted me to make arrangements for payment, not interested in sending me information on so called loan. Nor would they give their address and original amount of loan

Company response to consumer: Untimely response
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: MSW Capital, LLC
State: NV

Complaint narrative:
I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XXXX MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.

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 2017-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: IN

Complaint narrative:
I NEED WESTER UNION TO FURNISH ME ALL DOMESTIC AND INTERNATIONAL WIRE TRANSFERS FROM THE FOLLOWING NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIZENS FINANCIAL GROUP, INC.
State: CO

Complaint narrative:
I believe my XXXX XXXX XXXX XXXX XXXX ( XXXX ) Charter One Bank private student loan is part of the lawsuit against XXXX  for fraudulent collections. I also believe there is supposed to be an audit occurring on those false judgments per the order of the Consumer Financial Protection Bureau lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, I took out a {$15000.00} private student loan through XXXX XXXX XXXX XXXX XXXX, the lender was Charter One bank. In XX/XX/XXXX, I have documentation showing I took out another {$15000.00} private student loan. I do not know if it was through XXXX, but the lender was Citizens bank. I had been making payments on the XXXX Charter One student loan until I became unemployed in XX/XX/XXXX. I believe these payments were made to XXXX XXXX XXXX ( XXXX ) at that time. In early XX/XX/XXXX, I started receiving legal documents as attempt to collect debt for the XXXX XXXX XXXX loan. It resulted in a judgment placed against me by XXXX. The XXXX XXXX lawsuit matches the information in the complaint and judgment I received. I have been making payments for the XXXX Charter One loan to a collections law firm, XXXX and XXXX, XXXX since XX/XX/XXXX. XXXX and XXXX have made several different payment arrangements with me as I attempt to manage my XXXX Bank private student loan and government student loans. I currently make monthly payments directly to XXXX and XXXX ( through automatic withdrawal from my checking account ). XXXX and XXXX have stated they will review my income annually and adjust my payment plan accordingly. 

I have no recollection of making any payments toward or receiving collection notices on my Citizens Bank private student loan until XX/XX/XXXX and am curious why it took them so long to attempt to collect from me. 

A friend recently advised me to stop paying XXXX and XXXX and file a complaint with the Consumer Financial Protection Bureau to determine if XXXX and XXXX is supposed to be collecting payments on behalf of XXXX and the Charter One loan. My friend informed me that XXXX is not a collection bureau or a lender, and therefore, placed a judgment against me illegally. 

I would like to know/understand what is going on with XXXX and who I am supposed to be making my Charter One private student loan payments to and if I can get my money back if my payments have been handled improperly. I would also like to know if my Citizens Bank private student loan is associated with XXXX. Id like to try to refinance my private student loans, but it seems undetermined if my XXXX/Charter One judgment is legal.

Company response to consumer: Closed with explanation