vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all   XXXX   bureaus  XXXX ,  XXXX , and Equifax. Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Had credit report ran to obtain mortgage loan   XXXX   2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus Experian,  XXXX , and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were 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 non-monetary relief
Consumer complaint received 2017-07-19 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: TN

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   has been running a hard credit check when I have NOT applied for credit and they have now done it  XXXX  and will not remove the information though I 've been in contact with them through a   XXXX   since  XXXX    XXXX   and they were suppose to remove this and STOP and send me a letter stating that it has been removed! Not only is that inquiry still there but they did a new  XXXX  in  XXXX   XXXX !
When I submitted the complaint on  XX/XX/XXXX  all that " Equifax did was to say that   XXXX    ran my report so it 's accurate. '' THIS IS A LIE. The FACT of the matter is that   XXXX   RAN MY CREDIT REPORT WITHOUT MY AUTHORIZATION, PERMISSION OR ME EVEN APPLYING FOR CREDIT WITH THEM OR THEIR AFFILIATES.
Saying that it is " accurate '' is FALSE AND FRAUDULENT BECAUSE THIS WAS DONE BY  XXXX  WITHOUT MY PERMISSION AN ILLEGAL ACTIVITY ACCORDING TO THE FCRA. IF I DID NOT APPLY FOR CREDIT, AS I DID NOT IT FOLLOWS THAT A HARD CREDIT INQUIRY CAN NOT BE ACCURATE! I WANT THOSE INQUIRIES REMOVED AND  XXXX  BLOCKED FROM RUNNING MY CREDIT UNLESS YOU HAVE PROOF THAT I ASKED THEM OR THEIR AFFILIATE FOR CREDIT!
REMOVE IT! The first time I filed the police report and the whole nine yard and this was supposed to be removed! It was n't and so now this is going to need to be ESCALATED and FIXED. IF I DID NOT APPLY FOR CREDIT THEY HAVE NO RIGHT TO RUN MY CREDIT AND EQUIFAX HAS NO RIGHT TO REPORT THAT I AUTHORIZED IT WHICH YOU ARE DOING BY HAVING IT LISTED ON MY CREDIT REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Further to my Complaint no. XXXX and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application. Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: GA

Complaint narrative:
XXXX  2017, a collection was added to my credit report from CMRE Financial Services , Inc. Additionally, no written communication was sent to me from CMRE about this alleged debt before it was added to my credit report.   XXXX   XXXX  , 2017, I sent CMRE a certified letter informing them that I was unaware of of any outstanding medical debt, to send me debt validation/HIPPA authorization & a copy of my signature with the service provider to release my medical information to them, and to cease credit bureau reporting until the debt has been validated.
In turn, on   XXXX   XXXX  , 2017, a correspondence was sent to me from CMRE stating " we have your disputed notification, but we are unable to conclude an investigation as we have not received sufficient information to substantiate the basis of your dispute. '' CMRE has not, as requested, provided me with full documentation of what they have received from the provider of service in connection with this alleged debt, thus violating my rights under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 've been fighting with these credit reporting agencies for some time now, about incorrect information on me reports. I had a   XXXX   XXXX   in  XXXX , afterwards I filed a chapter  XXXX  bankruptcy to handle all my business expenses and medical bills.I also became a corporation at the same time to protect myself. All my medical bills went into my chapter XXXX  bk reached and still showing as open. Then I had my   XXXX   XXXX   ni  XXXX   XXXX , and until recently I have not been able to address these issues. I am peralized from the right side, and my speech is gone. I have a medical bills that are on my reports sill that they refuse to fix,   XXXX   XXXX   XXXX  , and  XXXX   XXXX   XXXX  ,   XXXX   have been reached and are showing still open.

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 2017-07-19 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: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
My   XXXX   credit report shows a collections in the amount of {$150.00} from Synd Offic opened on XX/XX/XXXX . I have made several attempts to obtain information about this claim. I 've contacted both the company and the credit bureau requesting them to send me proof of this debt, and to remove this incorrect information from my credit reporting. I never got a response from neither. In  XX/XX/XXXX  I resent this request as certified mail and still no reply. In  XX/XX/XXXX  I sent a follow-up letter to check the status of my request but no one has contacted me regarding this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As in the past I receive credit card applications several times a week from Capital One. I have filed complaints with CFPB case #   XXXX    back in 2014 for the same issue and received a letter from   XXXX   XXXX   from Capital One case #  XXXX  stating I would be removed from their mailing and not receive any credit card application 's. However this is not the case and once again I am being mail credit card application forms. I have called  XXXX  the number provided by   XXXX   XXXX   to stop these mailings otherwise I will pursue another complaint, yet Capital one continues with these applications.
I will not allow Capital One to put me in jeopardy of credit card fraud or identity theft.
I want these credit card and all advertising from Capital One stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On the evening of XXXX XXXX, 2017 my account went into a negative {$880000.00} because of a hold of {$880000.00}. I was not able to access my account and both of my cards have been deemed invalid. When calling customer service they could not help me. I called risk management and they could not give me any information other than Bank of America has decided to close the accounts. Both my personal and business account. This hold was from the bank itself not someone stealing my identity.

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 2017-07-19 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:
XX/XX/XXXX   : purchased virtual currency.   XX/XX/XXXX  : s old the purchased currency for a profit.
   XX/XX/XXXX    : The company, Coinbase, locked my account so i could not access my money, or perform further transactions.
  XX/XX/XXXX -T oday : almost daily emails,  XXXX , messages, service requests to either unlock my account, or return the cash to my bank.
Today : account still locked.
They have basically taken my money and kept it to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau of the Hudson Valley, Inc.
State: TN

Complaint narrative:
I didn't open this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have  XXXX  federal loans that have been closed for awhile but still on my credit report i have asked several times for these to be removed due to they are not mine mine are from depat of ed not   XXXX   XXXX   and three letter request and still they will not remove them i have asked for doucments proving they are mine and they send me nothing in return. this is hurting my score by having them on there and i have a consolidated loan so  having  XXXX  lo ans on my credit report when i only have one consolidated loan is not correct or appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC
State: KY

Complaint narrative:
I actually paid this debt to XXXX creditor, as I called to see if I could get the payment lowered and start paying on that amount. I was told it was taken care of and now I see it listed as a deragatory mark.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Service Center, Inc.
State: PA

Complaint narrative:
Was never told about debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
InXX/XX/XXXX I made a XXXX payment to XXXX XXXX which was only one of multiple payments I had made out of that account towards that XXXX. For some strange reason USSA called that particular payment fraudulent activity and took back the XXXX payment which caused XXXX XXXX. I was all caught up on my payments and then USSA decided to get my XXXX repossessed which put a repo on my credit report that I do n't deserve. Not only that but I traded my XXXX XXXX XXXX on that XXXX so in affect they also took my XXXX XXXX and all the money I had spent on both vehicles. The reason for doing all this is because when I called to get my card released from hold status the person at USSA I spoke with decided that my voice did n't sound as old as my birth date would have suggested. Because of that my XXXX was repossessed on XXXX XXXX XX/XX/XXXX and my credit ruined. As if all this was n't enough, The last direct deposit I had sent to that account came up missing.I had taken my money I had saved from the month before out of the USSA account and had changed my direct deposit over to XXXX XXXX XXXX. The last one went into the USSA account but the money disappeared out the account and now they are trying to XXXX me out of the money as well as what they did to my XXXX and leaving me stranded for a year now..What recourse do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Well, basically my mortgage company wa s Countrywide Financial &amp; because  they &amp; many others were deemed guilty of securities fraud by  XXXX   XXXX , I have also deemed the financial terrorists because of their criminal actions leading up to the   XXXX   mortgage crisis, I have pretty much lost everything. My home, my marriage, my career. I used to earn on average  XXXX  per year. However because of the criminal acts of securities fraud by Countrywide and other financials, rating agencies, etc., etc ... My career as a broker of Federal Funds between banks, was directly pretty much wiped out &amp; I do have proof of this. So, why is it that my life was destroyed &amp; the criminals are allowed to still send me a  XXXX  &amp; or try to collect on the debt they turned toxic &amp; used to destroy millions of lives, families &amp; careers for decades to come ... Why is this ... In addition to them trying to collect on this toxic debt via debt collectors ... How can a criminal be allowed to sell this debt to a collector ... This debt should be deemed uncollectable &amp; the criminal bank or lender should have no recourse in collecting this debt &amp; or writing it off, as why should I receive a  XXXX  &amp; also owe taxes on the very debt that was used to destroy my life &amp; career. That is adding insult to injury ... Forget about the Mortgage Debt Forgiveness Act, as that my not be available to me when the toxic dust settles for me ... What I need is a full financial pardon from all my toxic debt that was rendered a weapon of mass destruction by these financial terrorists. That means from also not having to pay taxes on this toxic debt that was used to destroy everything ... Why should I have to pay taxes on this debt, when this debt already destroyed my life &amp; career on the first pass ... Please let me know what you may be able to do for 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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Apparently I had a XXXX XXXX XXXX credit card from a decade ago that had an unpaid balance and was charged off. When I applied for a XXXX home equity loan, I was rejected because of this charge off at XXXX XXXX XXXX, of which I was completely unaware. I paid the charge off amount of {$280.00} immediately on XX/XX/XXXX 2017 and have been trying to get the item to reflect a zero balance of my credit report. XXXX said I had to get it removed from my credit report - they could n't call across the bank to confirm ( XXXX credit card, paid from a XXXX checking account ). I faxed to Transunion proof this was paid off on XX/XX/XXXX - they could n't read the fax. I refaxed the information on XX/XX/XXXX Transunion claims they ca n't clear the account without approval for XXXX - XXXX credit card department said they updated my report on XX/XX/XXXX If I do n't have this resolved by XX/XX/XXXX, I look a special introductory interest rate because Transunion wo n't be proactive, and XXXX wo n't look between departments to see the issue is resolved. How is it the organization controlling one of the only XXXX bureaus in this country only allows disputed documents via FAX or MAIL. Is this acceptable way to do business when documents should be scanned and emailed to avoid these type of unnecessary delays. Please help.

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 2017-03-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
XXXX  of last yea r (   XXXX  ) I noticed a collection on my account  for CommonWealth. I co ntacted the agency to verify the debt. I was told that I did not have an account with them based on the fact that they could not pull up my name, phone number, or SSN for the account listed on my credit report. At this time I disputed the account with the all three credit bureau 's which resulted in a deletion from my report. As of  XXXX  of this year (  XXXX   ) th e account was placed back on my credit report. I once again contacted the agency and was told the same thi ng ( nothing with my information was pulling up ). B ut the collection continues to be reported on my credit report. I have never received any type of correspondence regarding this account prior to it be placed on my credit report, twice now. I do not understand why it continues to be placed on my credit report which has effected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HW Holding, Inc
State: IN

Complaint narrative:
I do not owe this debt and would like for it to come off all  XXXX  credit bureaus.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: TX

Complaint narrative:
Calls every day, once every hour, to my workplace without leaving messages. I had to do reverse lookup.   This harassment could get me fired.   My debts are being handled by a debt resolution service and I provided that contact information to all debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year o r two a go they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $  XXXX  of it which seems more than fair in my opinion. However they are still asking for $  XXXX , 200 % of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery, acct #  XXXX  is reporting derogatory on my credit. I am now working with an attorney.  XXXX   XXXX  is the original owner of this debt but reporting falsely as  XXXX . This account was included in my chapter  XXXX  bankruptcy and need to be deleted fr.om my file immediately or I am forced to sue. My chapter  XXXX  bankruptcy has been discharged effective   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Coastal Credit, LLC
State: OH

Complaint narrative:
My cell phone rung and I told someone to answer it and the debt company did not verify who they were speaking to and disclosed all of my personal business about me being 30 days behind on my car note and demanding payment ... then when the person told them they could n't do that the lady became upset and tried to lie and say he said he was my son and then she hung up..after disclosing my personal business

Company response to consumer: Closed with explanation