vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-02 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: NC

Complaint narrative:
I have tried 4 times to request the information be removed from the 3 major bureau 's about accounts that are being reported by the agencies and they keep telling me that the information i being reported correctly on my reports. I have submitted the Fair Credit Report Act about how they must remove the information because they do n't have the required information to place it on my credit file. Each bureau XXXX, XXXX, Experian all have said that they are verifying this information electronically. Section 609 of the FCRA none of these results meet the requirements of this information to remain on my credit file.The dates below are the four times that I have requested the removal of this information. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Service Company, INC
State: CO

Complaint narrative:
XXXX/2017 Credit Service Company , Inc. 
XXXX XXXX XXXX XXXX XXXX, CO XXXX Re : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Outstanding : {$350.00} Dear Sir/Madam : On XXXX/2017, I received a letter from you attempting to collect on the above referenced debt. 

On XXXX2017, all debts prior to XXXX/17 to XXXX XXXX XXXX XXXX were included in Chapter XXXX bankruptcy, case number XXXX, in U.S. Bankruptcy Court for the District of Colorado. 

I trust that you will update your records to show that this debt has been included in bankruptcy. I also trust you will notify all credit bureaus that this debt was included in bankruptcy, if applicable. 

Enclosed are a copy of my Notice of Bankruptcy Filing and 341 Meeting Notification. For further information, including the accounts listed in my creditor matrix/schedule of creditors please contact the court directly or view in PACER. 

As you know, any attempt to collect on a debt that is under automatic stay is in violation of both the Fair Debt Collection Practices Act and Bankruptcy Protection Law. 

Case number XXXX was discharged on XXXX/17 :  The discharge injunction is permanent, survives the bankruptcy case and is always applicable with respect to every debt that was discharged. 

Any further contact from you regarding collection of this debt will be brought to the attention of the bankruptcy court as evidence of your violation and I will exercise my right to bring suit against you and recover damages of {$1000.00} or more for each incident, as is my right. 

I thank you in advance for your help in clearing up this matter and I trust that you will not attempt to collect this debt again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MO

Complaint narrative:
I have made several attempts to contact the company regarding the debt and several inaccuracies. Now, my credit report shows the debt was sold to another lender and the information about the new lender is not available. I have tried to get proof such debt exists, but am unable to communicate with Universal Acceptance about the account in question, incorrect information on my credit report and etc. 
Furthermore, Universal Acceptance was asked to send proof of original debt to me when I disputed the claim in XX/XX/XXXX. Instead, the collection was hidden on my report and then they sold the account to a new lender and will not disclose the new lenders contact information. I feel as if I was also victimized as a client of Carhop since the purchase of my vehicle in XX/XX/XXXX. 
Carhop has been sued for jeopardizing Consumers Credit as noted on CFPB website, confirming they have used false information and disclosed inaccurate credit reporting on my credit history.

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 2017-09-02 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: Westlake Services, LLC
State: CA

Complaint narrative:
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: CA

Complaint narrative:
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

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 2017-09-02 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: CA

Complaint narrative:
I have been trying to fix this problem since XXXX, but the credit bureaus just go by the word of the Creditor. I reported to the bureaus that that account is not mine because it could n't be my signature because I was fresh out of the hospital from my XXXX and unable to sit up let alone write. I want to see that paperwork with my so called signature to prove that it 's not me. I have the right under the Fair Credit Reporting act to ask and get a copy of The contract with my signature.

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 2017-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I have been shopping on-line for a new car. I get an ad from XXXX to which I responded ( X/XX/17 ) ; after I fill in the information regarding the type of car that I 'm looking for I get the following message : Next Step The next step is to obtain a copy of your most recent Credit Score. Click Below to get your FREE credit Score & Credit Report for {$1.00}. Like an XXXX, I clicked on the link and was sent to TransUnion. After providing them with their requested information I was shown my score ( XXXX ) and welcomed as a new customer to their credit monitoring service and that after a 10 free trial I would owe them {$100.00}. There was no link back to XXXX so it appears that the whole scheme was to trick people into subscribing to their monitoring service. This is nothing that I want. 
The next day, after receiving a confirming email from TransUnion, I immediately called to cancel this service. I apologize to the poor woman in XXXX to whom I talked ; I understand that she was only trying to get through the script that she had been given and my yelling at her did n't help. They did agree to cancel. Since then I have been solicited from several sources that want to help me " restore, repair my credit '' So aggravating and time consuming. It seems that we are under constant assault from these scammers and have no protection or recourse.

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 2017-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: OR

Complaint narrative:
REMITLY - Transfer # XXXX XXXX XXXX XXXX XX/XX/XXXX I attempted to send a small amount of money ( {$120.00} ) to my XXXX XXXX XXXX mother-in-law in the XXXX who needed it immediately for medication. She requested that I use the Remitly site to do so. I always use XXXX XXXX. I registered on the Remitly site, signed in and used my XXXX XXXX XXXX in an attempt to send the money. For some unknown reason my transfer was canceled and the money was not sent. I received an email message that my bank would NOT be charged, but upon checking with XXXX Bank, the charge was there. It has now been cancelled. I called the number that I was provided in the Remitly email and was advised that I had been cancelled and would not be allowed to send money through the site at any time in the future. I requested an explanation but for " Security '' reasons my request was denied. I asked to speak to a supervisor, and after waiting several minutes, a supervisor answered and also refused to tell me why my transfer was cancelled and again advised me that I would NEVER be allowed to use this site. I have used XXXX XXXX dozens of times to send money to the XXXX over the years, and have NEVER had a problem. My credit history is impeccable, with a greater than XXXX FICO score. I am insulted and angry at the treatment I received from Remitly, and will be doing everything in my power to have this useless money transfer site removed from doing business in the United States. Social media is a powerful tool, and I have many contacts. Thank God for a reputable site like XXXX XXXX, or my mother-in-law may have gone without the medication that she desperately needed. I also explained this to the supposed supervisor! Although there was a several hour delay in her receiving the medication, she now has it, thanks to XXXX XXXX. Not that Remitly cares at all. If she had died, I guarantee you Remitly would have cared! I also checked " CompareRemit '' https : //www.XXXX.com/XXXX/XXXX_XXXX/XXXX/XXXX// This site has hundreds of " One Star '' comments, but the Remitly site claims a rating in the " Five Star '' region! Another minor irritation was the fact that they claimed a " Free '' transfer for first time users, but when the transfer was ready to be sent, {$3.00} of the {$7.00} fee was waived buy a {$3.00} fee remained. I believe this is called FRAUD!

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 2017-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened an account with BMO Harris bank under a promotion to receive a {$200.00} bonus after a maximum of 120 days. Per BMO I was to use promo code " XXXX '' which would be automatically applied and " have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening. '' Here is my timeline of events : XXXX/XXXX/XXXX - account opened with promo code XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - deposit of {$500.00} from XXXX XXXX pension/retirement plan XXXX/XXXX/XXXX - closed account I closed my account after 150 days and no promotion bonus was received. I contacted customer service via echat but they advised they were unable to assist.

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 2017-09-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
On XXXX-2017 My application for loan from Big Picture Loan accepted for a {$1200.00} They send the money, transfer on my bank checking account. I did not expect that they will deducted every two weeks for the amount of {$300.00} after they deducted 5 times from my checking accounts. I thought I already paid off because {$300.00} x 5 = {$1500.00} I called my Bank to stop deducting my payments to Big Picture Loan. 

I called them and ask how much my remaining balance pay off on my loan, they told me {$1300.00} When I signed the contract online the interest rate was excessive and usury and was not properly disclosed. The Finance charge was not disclosed, You were not allowed to read the Truth in Lending disclosure, That is, it was not visibly disclosed in the contract.

Hoping for your assistance on this matter.

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has been my bank for 29 years. I was attacked by a pit bull and have a go fund me account that deposits directly into my account. They have {$800.00} they are holding, with no reason. The fraud department does n't know, the banking XXXX does n't know. They are holding money that will help me pay for my bills since I ca n't work. How do I get my {$800.00} back. Since I have to lay at home I have had hours of conversations with numerous " specialists '' and they still do n't have an answer. What do I do?

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 2017-09-02 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: WI

Complaint narrative:
I mailed a letter to Experian on XX/XX/XXXX requesting method of verification for accounts that are inaccurately reporting on my credit report. The companies are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. Experian received my letter on XX/XX/XXXX and mailed me a copy of my credit report dated XX/XX/XXXX which I received in the mail on XX/XX/XXXX. However, the credit report is not what I requested. What I requested was method of verification. Furthermore, the credit report stated that Experian contacted the companies and verified the accuracy. I never asked Experian to investigate in my most recent letter, I asked for method of verification. I requested the name, address, phone number, date and time of the person Experian spoke with to verify this inaccurate information. I also requested the name, number, department and title of the person from Experian claiming to have verified this information. According to the Fair Credit Reporting Act ( FCRA ) credit reporting agencies have to provide method of verification within 15 days of my request or the information must be deleted from my credit report. Since Experian has been unsuccessful in providing method of verification for XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX I demand these inaccurate accounts be removed from my credit report immediately. I also want an updated copy of my credit report once this has been completed.

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 2017-09-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have not received any rate reduction information, my loan has not gone down since my start day of payment, which was back in XXXX. 
After numerous phone calls to Navient, and put on hold and put on hold for extended time ( 30 or more mins ), with every phone call if I was not cut off completely. All my loans were variable and taken out between XX/XX/XXXXto XXXX. My loans were with XXXX XXXX, which were then sold to Navient. 
Since XXXX I have yet to receive any rate changes to my loans, with one as high as 12.75 %. Every time I ask for a supervisor I am cut off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells Fargo Bank ... ... ..I had an checking account with Wells Fargo , stop direct deposit and had all my automatic payments stop from their bank. For some reason they continue to charge me overdraft fees, then closed my account ... ... this been about 4 months ago, now on X/X/2017, they closed my savings, due to no activity and a XXXX balance ... .but allowing me to keep my credit card account ... ...

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 2017-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Coinbase ( Coinbase.com ) not helping me since XX/XX/XXXX. 

I lost access to the email address ( email was terminated ) on record with Coinbase. Since Coinbase 's service sends sign-in verifications to the email address on-record, I can not sign into my coinbase account. Coinbase will not assist me in re-gaining access to my account through other means. 

I followed all the steps to reset my account in : https : //support.coinbase.com/XXXX XXXX and then contacted them about it on XX/XX/XXXX.
I still can not access and withdraw my money from the locked account. Since I first contacted them for help in XX/XX/XXXX, Coinbase support only sent automatic answers which did not solve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC
State: CA

Complaint narrative:
XXXX and XXXX used a bait and switch sales tactic on me. 
XXXX sent an email stating TV, Phone and internet for {$89.00} plus tax and they will bundle with XXXX but all the payments go through XXXX. 
When the Technician installed the system he failed to install the phone service and since I did n't care one way or the other if I had the phone or not, I did n't bring it to their attention. 
XXXX said in a recent conversation on XXXX/XXXX/17 that because I did n't complain about not having the phone service that I was n't going to receive the triple play price and they would n't honor the email or take responsibility for their technician not install the phone line. 
So rather than admit their mistake and have the technician come out and install a phone line and give me the triple play price as per their email, they decided to charge me {$200.00} a month. I told them if they do n't honor the email offer that I signed up for then I would have to cancel the service on the grounds that they broke the contract. 

I am submitting all documents supporting my statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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, these all hard inquiries that I do not approve. Transunion

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 2017-09-02 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: CITIBANK, N.A.
State: TX

Complaint narrative:
MY HOME DEPOT CC # XXXX LAST TIME WE CHECKED OUR LIMIT IS NOT {$2000.00} > SHOULD BE {$10000.00}.

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