vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-29 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ERC
State: SC

Complaint narrative:
I reached out to ERC about my account in the amount of about {$1400.00} for an old phone bill I had for someone. I attempted to get a written payment arrangement so I could try to settle this account. The gentleman refused to give me a written payment arrangement and told me to contact them when I have money which was very unprofessional. He said that his company doesn't do payment arrangements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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:
Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation

of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

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 2018-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Recovery Solutions
State: NY

Complaint narrative:
On Friday XX/XX/XXXX I spoke with United Recovery, a debt collection agency regarding a XXXX credit card with an outstanding balance. The collection agency called my place of employment, XXXX XXXX, at XXXX. This number leads to an automated system explaining it is XXXX XXXX, and clearly not a personal number. I informed the gentleman on the phone that I am unable to take personal calls at work, and not to call me at this number again. I politely informed him I would call him regarding the matter from my personal phone when I am off the clock. On Monday XX/XX/XXXX at approximately XXXX XXXX, the same debt collector called my employer yet again, after being informed not to on a recorded line. My manager happened to answer the phone, and I was scolded for having personal calls at work. This is unacceptable and can jeopardize my job. We have a strict policy on personal calls at the bank, and I told them of this. They have disregarded my privacy and request.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I reached out to Ally for information on my payments because on my credit report its reporting as a charge off for early termination. I don't understand why i have been bill as all 39 payments were made in a total of {$21000.00}. Additionally when i spoke to the representative at ally she stated that the last payment made on the account was of {$27.00} on XX/XX/XXXX. Every time i speak to one of the collection agency that is taking care of the account which i believe have been two different companies they give me a different explanation to why I'm being charged. First is was for parking tickets under the title, second was early termination, Third late payment and now excessive miles and tear on the car. I believe that there payment statement is incorrect as its missing payments made to the account. Now every time I call Ally financial they forward me to the collection agency. It is very upsetting that I'm not able to speak to them in regards to the problem as i believe that the information that they are reporting its incorrect and its affecting my credit score.

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 2018-01-29 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: Navient Solutions, LLC.
State: MN

Complaint narrative:
I have been repaying for over 5 years. I would like to find out why my loans are not being lessened every month. I pay {$1400.00} every month and it goes in to the whole total of the loan. These loans are direct and private apparently. The payment page says it is put towards my loans however I have looked for the past year that the money is some how disappearing. In XXXX of XXXX I paid the XXXX and the loan balance is {$2900.00} but as of XXXX the loan balance was XXXX. Please tell me where my XXXX dollars went? XXXX I paid XXXX again and finally the balance did go down to XXXX, something I did unfortunately not write that one down. However it appeared the money was finally used but what happened to it in XXXX? Now XX/XX/XXXX the loan shows XXXX when I went to pay the loan on the XXXX of this month. Today the XXXX I looked to see what my XXXX went It is now at XXXX. When I did the math to this my loan should be XXXX. There is a XXXX discrepancy on the loan.So my money is again missing. Please help I have no clue what to do. I have been paying the loan off for over 5 years it started at {$80000.00} and I am finally down to XXXX. Still WHERE is my money going? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: OK

Complaint narrative:
i called about my mortgage settlement today and was told there was no settlement information available and to check on-line for news updates. After reviewing 22 pages of CFPB press releases/ reports, I found no information about the Flagstar settlement. 

I received a check in XX/XX/ 2017 as part of a settlement. I received a check previously as part of a settlement with Flagstar. I have received any further correspondence as a final or conclusion of the settlement. 

I have received about XXXX, so far. 

The phone number for the Payment Administrator is no longer in service. 

The assistant at CFPB was not helpful. 

Can I have an address, phone number or email address to get information of this matter?

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 2018-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I got an e-mail from Coinbase stating my withdrawal limit for my XXXX account was denied. As I tried to log into my XXXX account it showed my account had been temporarily disabled and that I should contact Coinbase. I called Coinbase and told them my XXXX is temporarily disabled and I can not access the XXXX worth of cryptocurrency I own on that site. They gave me a reference number and told me it may take up to 4-5 business days to fix the problem. 

On XX/XX/XXXX, I logged onto my Coinbase account and was prompted by a page stating I owe XXXX USD in order to gain access to buy/sell/send my cryptocurrency I had on my Coinbase. I never purchased anything with a credit card on my account for that much to begin with. However, I paid the amount and called Coinbase to remove the hold from my account. They then said they would escalate my previous ticket and add I paid the amount owed. Then on XX/XX/XXXX I logged onto my Coinbase account and noticed XXXX Bitcoin ( valued XXXX USD ) was sent to Coinbase without my knowledge. I called Coinbase to discuss the transaction and they told me I owed an additional XXXX USD and they only take cryptocurrency as payments after the fact I already paid them XXXX dollars on XX/XX/XXXX. They told me they do not return cryptocurrency once its taken from the account. So Coinbase ended up taking a total of XXXX USD from me for no reason. I have only spent XXXX USD on Coinbase using my own bank account. There are no reversal charges made on my bank account. I currently can not access my XXXX worth of cryptocurrency on XXXX because of all these claims stating I owe Coinbase money which I never purchased on Coinbase. Everytime I call Coinbase they state they will grant me access back to my XXXX account and full access to my Coinbase account within 2 business days but nothing ever gets done and they keep charging more money than I have ever spent on Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, My law each person is allowed an annual credit report from the 3 credit reporting agencies. Every year I get them by following the link at ftc.gov. Except from Experian. Every year Experian 's link is faulty. And when I try and call hold time is between 45 minutes to an hour. It happened 2 weeks ago and it has happened again to me today. The error message is below : We are currently unable to process your request. 
We've been notified and will actively work on fixing the issue. If you can, please report the details of the issue you experienced below. 
Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX PT Sat - Sun : XXXX XXXX  to XXXX XXXX  PT The link NEVER WORKS. Most people give up and never get a free report from Experian.

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 2018-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My Wells Fargo account was inactive as I had switched over to XXXX and was using it primarily as a savings account. They were not happy with that and sent me letters saying due to inactivity my account was frozen which was fine because I wasn't actively using the money. Around XX/XX/2017 I finally got around to going to the bank to close out my account and consolidate my finances. It was at that time I was told there was no money in my account. Wells Fargo had sent a check for the amount in my account to my associated address which as a young person I move a lot and was 3 addresses ago. I inform the accountant about the situation and she calls head quarters to cancel the sent check. It was quite a process. Eventually the check is cancelled and she gives me a number to call after 5 weeks so they can process it. The number she gave me is to NJ unclaimed money. Now I have to jump through hoops, supply documentation, get something signed in front of a notary to get my money ( >11k between both savings and checking account ) which Wells Fargo deemed appropriate to send through the mail before without confirmation but now can't be bothered with fixing their mistake

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 2018-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I had a XXXX XXXX that had multiple recalls on it that were never fixed. Not only did I have issues from the recalls but my life was placed in danger multiple times due to random issues with the car. I tried several times to get the dealer to fix or replace the damages but they only told me that the parts were on back order and refused to assist me in anyway. The vehicle was completely falling apart when I finally gave it up. It is being reported as a charge off and they are claiming that I owe the rest of the monies due for a car that literally fell apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.

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 2018-01-29 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:
Transunion will not remove a paid collection debt that l had owe from XXXX XXXX., and affillated acceptance co.off my credit report. They told me that they would remove it. also so did so did XXXX XXXX. said they would remove it. after l pay it off.

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 2018-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX, the XXXX XXXX XXXX ( XXXX ) repossessed my vehicle, XXXX XXXX XXXX VIN # XXXX from my residence. XXXX 's manner of repossessing the vehicle is illegal in the State of XXXX. XXXX did not notify me by certified or registered mail of a right to cure and repossession which did not give me the rights to challenge the repossession.

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 2018-01-29 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 — Investigation took more than 30 days
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
XX/XX/XXXX I completed a refinance with XXXX XXXX XXXX, as a part of our agreement, I agreed to pay XXXX beyond my mortgage also my taxes and insurance. And from my escrow account both would be paid on my behalf by XXXX. However on XX/XX/XXXX my homeowners insurance was canceled due to non payment, I found there was a confusion with billing from my insurance and payment from XXXX, we supposedly got it sorted out, I got a new Insurance policy and thought all was taken care of. XX/XX/XXXX I am notified by XXXX XXXX ( insurance ) my policy is going to be canceled again due to non payment, I called XXXX and they told me they would send a overnight payment, again I thought all was well. The payment was not made until XX/XX/XXXX resulting in the policy being canceled. Summer of XXXX I received a bill from XXXX for my normal mortgage plus fees and fines because of " lender placed mortgage insurance '' I contact XXXX they agree to remove the fees if I get a new policy, I do so the new policy is in place XX/XX/XXXX and XXXX made the payment XX/XX/XXXX. Since that date I have continued to get bills from XXXX with fees and penalties related to the lack of insurance I have spoken to someone at there company multiple times a month to resolve the issue which in there terms was " Under Dispute '' with no resolve, until in XX/XX/XXXX/XX/XX/XXXX I noticed they had started reporting my full mortgage payments as partial payments because they did not include the fees and fines associated with the forced placed insurance. My Credit has now dropped from 800+ to 700- because of their untimely payments. I would like my credit restored and the issue resolved. +

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.

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 2018-01-29 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: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
On or about XX/XX/XXXX I sent a letter to XXXX XXXX and XXXX to dispute the amount reported from XXXX XXXX Card to both credit reporting bureaus. I frequently utilize XXXX XXXX to monitor my credit report, upon doing so I discovered a mistake that was made by XXXX XXXX XXXX XXXX. 
Issue : On the credit report XXXX clearly did not indicate the payment that was made to them on XX/XX/XXXX ( {$54.00} ) & XX/XX/XXXX ( {$64.00} ) to both credit bureaus. Please see uploaded document form my XXXX XXXX online account billing invoice highlighted for supporting documentation. 

2nd Issue : I mailed a dispute letter to XXXX & XXXX XXXX to correct XXXX XXXX 's mistake. XXXX XXXX notified me by mail stating that this this information was disputed and updated. Upon receiving a new credit report from XXXX XXXX ( pg. 5 out of 12 ) still have down that I was thirty days late with payment. My XXXX XXXX card is due the XXXX of each month. XXXX XXXX failed to report this information correctly to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report with Trans Union ( pg. 5/12 ) company by the name of XXXX XXXX XXXX placed a collection for XXXX XXXX XXXX onto my report. I was never notified by phone nor mail from this collection agency. Upon further review XXXX XXXX XXXX placed this collection datedXX/XX/XXXX. 

ISSUE : On XX/XX/XXXX I received a cancellation notice from XXXX stating that this policy would expire on XX/XX/XXXX at XXXX XXXX. ( See upload ).

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