vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XXXX XXXX I attempted to make a purchase with my credit card. I had checked my credit line/available credit on line using the bank website. My account shows a credit line of {$3500.00}, Available Credit of {$2300.00} and a balance of {$1100.00}. 
The purchase was denied at the checkout - I called the bank from the store and was told the account had been closed. I asked when the account was closed and was told it has been closed since XXXX. 
I received NO notification from the bank that the account had been closed - and the information I looked up on line for my account shows " available credit ''. When I received my paper statement it also includes and " available credit '' amount. I called the bank and asked why I have available credit showing if the account is closed. I did not receive a reasonable response. I believe they continued to show available credit to entice me to continue payments - and would let me know the account was no longer usable once the card was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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: ND

Complaint narrative:
I have a XXXX account listed on my XXXX XXXX, Equifax and XXXX credit report that opened on XXXX XXXX, XXXX and was lost/stolen. My XXXX credit card account has a balance of {$2500.00}, those transactions/charges are all fraudulent and unauthorized charges. The charges do n't belong to me. I have a fraudulent and unauthorized hard inquiry on my Equifax and XXXX credit report. The following hard inquiry is fraudulent and unauthorized : XXXX/XXXX XX/XX/XXXX. I XXXX XXXX, Equifax and XXXX to add and list the following phone number to my credit report : XXXX. Creditors is to call me first at either : XXXX or XXXX before approving or extending any credit offer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
AMCOL Systems Inc XXXX XXXX XXXX XXXX, SC XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX & XXXX Amcol Systems reports to have two collection accounts dated X/2017 in the amounts of {$2300.00} ( Acct. # XXXX ) & {$9500.00} ( Acct. # XXXX ). I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I 've attached a letter written with all of the details regarding my dispute, etc., and pages of documentation supporting my dispute with Barclays Bank. 

Barclays never sent me timely information regarding the dispute, nor did they answer my last letter dated, XXXX XXXX, 2017 that pretty much sums up the transaction and details of the ongoing dispute. 

I removed a few pages within the documents I sent. They are page 4 of 18 and 11 of 18 as those pages were copies of my TX drivers license. 

PLEASE MAKE SURE YOU GO THROUGH THE DOCUMENT AS WELL AND REDACT ANY OF MY PERSONAL INFORMATION WITH THE EXCEPTION OF MY NAME, CITY AND STATE. thank you.

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 2017-09-24 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: FL

Complaint narrative:
On XXXX XXXX, XXXX XXXX XXXX XXXX reported a collection account on my credit. I contacted them and paid the balance in full on XXXX XXXX, XXXX. XXXX I noticed that the account remained open on my TransUnion report, so I filed a dispute indicating that I have paid my obligation and the results came back as Verified as accurate. I filed another dispute because I disagree with the results and that dispute came back with the same results. I contacted XXXX XXXX XXXX and was advised they had reported to all 3 bureaus that I paid in full and it should be removed or show closed. Then I contacted TransUnion and filed 3rd dispute. I was asked to submit a copy of my credit card statement that shows the date and the payment amount to XXXX XXXX XXXX. I just received a letter from TransUnion stating they will not be updating my account and that the information is accurate. I 'm now beyond frustrated because the other 2 bureaus have updated the information, but TransUnion refuses to update the information correctly, which is resulting in my credit score continuing to drop because of an account that had been paid off since XXXX. Its not fair because I paid my obligation and my score keeps falling because someone at TransUnion is not following proper guidelines.

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 2017-09-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well.
Equifax : XXXX : XXXX : To : XXXX, Equifax, & XXXX.
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, BBB, and filing a law suit against Equifax, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
I received a alert from XXXX stating I had a new collection account. The company never sent me anything to even find out if the debt was mines. On XXXX/XXXX/XXXX XXXX sold the account back to XXXX the original amount was XXXX. Now this new collection agency is reporting XXXX. It is against FRCA to change amount in order to publish on someones credit file. I do not owe this 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 2017-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I just received TWO alerts from XXXX stating I have TWO new accounts in collections. I have no knowledge of either of these accounts, and want answers ASAP. They are for the exact same amount, but were placed a few days apart from each other. The company name is almost identical in both cases with the exception of Inc., which was added at the end of 1 of the entries. There is NO phone number or account number for me to call to inquire what this is all about. I will provide ALL of the info I was given below : IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX, MN collection IC SYSTEMS XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE IC SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX New collection I.C. SYSTEM INC. XXXX, XXXX, XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX, MN N/A UNPAID $ USD XXXX Thanks in advance for your time and assistance. I hope to hear back from you soon. 

Regards ... ... ...

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 2017-09-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TX

Complaint narrative:
FOX COLLECTION CENTER XXXX XXXX XXXX XXXX, TN XXXX Phone : XXXX XXXX XXXX Acct. No. XXXX Fox Collection Center reports to have a collection account dated XXXX in the amount of {$160.00}. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore I request validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 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:
To whom it may concern, On XXXX XXXX, I sent XXXX XXXX ( {$1400.00} ) from coinbase to another company called XXXX. Due to the fee added, coinbase took XXXX XXXX ( {$1400.00} ) from my account. According to coinbase, the transaction was completed but the bitcoin was never received by the other company. I contacted coinbase support on XXXX XXXX and XXXX additional times on XXXX XXXX and XXXX. Coinbase has never responded to my inquiry. Please find attached a screenshot of the XXXX address from XXXX and Coinbase. I would like to know why the vendor ( XXXX ) never received my bitcoin and what actually happened to my money ( {$1400.00} ) which was taken from my account. Please help me as it is a lot of money to lose. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX my student loan balance with Navient jumped from {$71000.00} to XXXX with no explanation. I believe there is either an error or they are charging me excessive fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: VANGUARD FUNDING LLC
State: NJ

Complaint narrative:
We closed on our mortgage loan on XXXX/XXXX/XXXX. We have an FHA XXXX loan with Vanguard Funding LLC. We have been paying our mortgage and property taxes every month on time to Vanguard. We began having issues with Vanguard very soon after closing with emails and phone calls going unanswered. Then we received notice that our property tax payments had not been submitted to XXXX XXXX since closing, and that Vanguard had never attempted to make contact with XXXX XXXX to establish an account for our property. We have since had to pay property taxes to XXXX XXXX out of pocket, in addition to what we already paid Vanguard for the same tax periods. The payments made were approximately {$8000.00} in addition to interest that accrued due to Vanguard never paying the taxes. 

We also had renovations done to our home under our XXXX loan. 50 % was disbursed to us at closing and the remaining 50 % was to be disbursed after completion of the agreed upon work. After the 1st contractor completed his work, we were trying to get Vanguard to send us the final draw request for several months. Since then the 2nd contractor has completed his work. We now have contractors asking for money owed to them for services rendered, but Vanguard was not responding to our draw requests so we have had to pay contractors out of pocket as well. The payments made were approximately {$10000.00} which was to come from the remaining 50 % of the XXXX loan. 

We stopped receiving mortgage statements after XXXX XXXX and our XXXX XXXX mortgage check was returned due to the address not being found and no forwarding address left. We then learned ( by XXXX search ) that Vanguard executives are being indicted for fraud by the XXXX XXXX XXXX XXXX NY and Vanguard is no longer operating. 

We have filed a complaint with the NY XXXX XXXXXXXX XXXX XXXX and NJ XXXX XXXX XXXX. The latter agency referred us to your office. 

I have attached documentation of mortgage statements, emails and letters. Thank you for your help.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: PA

Complaint narrative:
I have tried numerous of times to get in touch with this company they leave you on hold for more than XXXX minutes the customer-service is very rude then they say they can not help me. I need to stop XXXX Authorisation with this company. I will pay by money order. The customer service is the worst and i read bad reviews about their customers service.

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 2017-09-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The three credit report bureaus keep saying that my score is lower than it should be because of a delinquent payment. They cite a 30 day missed payment in XXXX to XXXX XXXX. This is inaccurate. XXXX has no record of it a missed payment. I would like this off my account so it is not affecting my 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 non-monetary relief
Consumer complaint received 2017-09-24 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: FL

Complaint narrative:
Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : TransUnion : XXXX : To : TransUnion, XXXX, & XXXX. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, TransUnion, 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 2017-09-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Look at these reports that I have attached to this complaint. I tried contacting these creditors but I did n't get no response at all and I 'm really tired of it. This is my last and final attempt to get this resolved. It is wrong to place information on someone 's credit without their consent and that is a major violation of the law. Companies who are to place them on the credit file is just as guilty. I know the law well and I know that credit bureaus get paid major money to place inquiries on consumers credit so you credit bureaus are willing to anything for money and do n't care about the consumer at all. When I file this lawsuit against all three bureaus I wo n't have a care in my heart as well. 


XXXX : XXXX : Experian : To : XXXX, XXXX, & Experian. 
FYI FOR YOUR INFORMATION, I 've contacted the creditor personally by reaching out to them about this matter & I have n't gotten a response through mail, phone. I do n't recognize any of the inquiries on my credit file. I am sick and tired of you Credit Bureau sending me bogus computer generated investigations. This is the final attempt to resolve this matter with both you and the creditor. I will seek legal actions immediately this week. I am contacting The FTC along, XXXX, and filing a law suit against XXXX, XXXX, 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 explanation
Consumer complaint received 2017-09-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I paid down my home equity line of credit to XXXX but kept the account open. Then i was charged a {$400.00} fee. I called the Bank of America customer support line 7 times and was unable to reach an associate 6 times. On the 7th try I reached XXXX in the XXXX call center, who is a HELOC specialist, and was told this was a lien against my account and that my account was closed. I said  that was not correct -- I never closed the account, only paid it down to zero. I was also told that I would continue to be charged interest on this balance until 2026 even though I no longer borrowed any money. I was told that even if my balance were XXXX I would continue to be charged interest because " that is the way variable rates work. '' I tried calling the branch ( at XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) where I took out the home equity loan because that was not the way the HELOC was sold to me. I called 10 times and the phone rang with no one to pick it up. Finally I drove into the branch to talk to someone. When I ultimately spoke to someone, I was told they would take care of things for me. The bank manager and a staff member named XXXX said they would call the following Monday and then call me back. That never happened. I have tried calling several times since then and ca n't reach anyone to understand what was done. 
I placed a complaint with the CFPB because of the confusing and conflicting information I have been receiving from the various representatives of BofA noted above. When I checked the status of my first complaint, I saw a response with further erroneous information. As BofA will not contact me directly but will respond to CFPB complaints, I will continue to correspond through this channel. 
BofA has incorrectly charged me a {$74.00} release fee, and {$450.00} for an early closure that I never requested. Furthermore, while BofA is NOT responding to me, they warn they will continue to charge interest on the fees that are in question. I find this irresponsible and unethical -- I 'm literally paying BofA not to respond! I do hope the CFPB complaint system can help me here. I have been a customer of BofA for 20 years and they do not have the decency to contact me directly.

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