vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to file a complaint against Experian. I was to get a copy of my credit after the XXXX XXXX ran a credit check. They said it would be mailed within ten days. It has been 21 days. They threatened my wife telling her she had to join. That is not true. They also asked us receive third party calls. They are scamming and telling untruths. 

I will lose the opportunity to rebuild my flood damaged house because of what they have done. I need the XXXX loan to finish the house and live normal. In a week my window of opportunity expires and I will not be able to obtain the loan and finish my house. 

Credit companies do not need to issue ultimatums. I receive offers to join almost every day from Experian, but no response to what I have requested. They asked me to rate my experience and they have not responded. They are worse than all of those student loan/insurance calls I receive every day.

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 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: SC

Complaint narrative:
On XX/XX/2018, I was issued a loan by WLCC d/b/a XXXX XXXX for {$1000.00}. I have paid {$1000.00} to date and XXXX states I owe another {$960.00}. Per South Carolina ( my state of residence ) payday loan regulations, I should have only been charged $ XXXX/ {$100.00} borrowed. I should have only been charged {$150.00} on top of the {$1000.00} borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I was hospitalized on XX/XX/2017, I XXXX XXXX XXXX and had to have XXXX XXXX. As a XXXX XXXX I am aware of the policies in a hospital. I was brought in via ambulance and was sat in the waiting room for over an hour while my XXXX XXXX XXXX XXXX and I was XXXX. This is a direction violation of federal law EMTALA The Emergency Medical Treatment and Active Labor Act. I immediately notified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   and that I was unable to sit up, this was also conveyed to the nurses, yet I was placed in a wheelchair and sat beside a trashcan in the waiting room because " their XXXX XXXX patients were occupying the ER rooms '' After waiting for an hour in immense pain I asked for a cotton swab and band-aid to remove IV so that I could be taken to receive proper care before I XXXX XXXX XXXX XXXX.   Per their ER MD, had I not raised sand and gotten back there, I could have possibly lost my life. As a XXXX XXXX I was truly disgusted & appalled at the behaviors of the medical staff at this facility. I feel extremely saddened that there are patients that receive this type of care and no one is there to advocate for them. The hospital was paid by my employer & insurance company XXXX and I had to pay a XXXX co-pay. Due to the services received, the negligence of careless, insensitive staff, the violation of federal law, I am not obligated to honor this debt they insist I owe. 
Please take these factors into consideration as I am unable to pay this debt. Thank you for your time.

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 2018-05-18 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: MO

Complaint narrative:
On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX deleted all the accounts. XXXX and Equifax did not, they only updated the reporting of the account. I contacted XXXX and Equifax again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. XXXX, updated the account again and did not remove it as requested. Equifax did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my XXXX  file, XXXX XXXX XXXX and XXXX XXXX XXXX on my Equifax file. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
this company has been passing this debt back and forth between a collection agency and itself. It has been hard for me to keep up with who has this debt. They continually harass me and will not remove it from my credit report. After requesting validation from them, they sent me an old medical file with part of my medical chart on it. I sent them a certified letter stating that they violated the HIPPA and they responded with a dispute on my credit report. I believe they are not ever going to remove this from my credit report. My insurance has also paid this. I do not have access to that insurance carrier as to I have switched carriers since that date of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: MOHELA
State: NJ

Complaint narrative:
Mohela DE posted two negative accounts on my credit report for a student loan that I don't know anything about. The first time when their representative called me to pay Mohela for student Loan, she asked me for my birth date. I said I don't have any account with Mohela I never signed any application form for student loan with Mohela. Please, send me the application form that I signed for Student Loan with Mohela.

The second time, I spoke with XXXX from Mohela. XXXX asked to send my signature to Mohela. I sent the color copy of the first page of my valid passport with my signature, the color copy of my social security Card with my signature and the copy of my driver license with my signature.

After receiving those copies, Mohela told me they need a more recent copy. I said I do not have recent copy.

Despite my effort, Mohela is keeping two negative accounts on my credit report. I think It is predatory to mess up the credit report of a customer without verification Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: GA

Complaint narrative:
On XX/XX/XXXX. I noticed an alert on my credit report for a company I've never heard of, so I immediately started a dispute. Today XX/XX/XXXX, my results came back as accurate and meets FCRA requirements. I called and asked Experian to send me or what proof was sent to them to prove.it was my debt and I was told, that they don't investigate and they leave it up to the creditor to investigate. I also was told that if the creditor says I owe a XXXX dollars, that is what I owe. Can you imagine being told that by a credit monitoring company? They will not except another dispute from me. Credit name is, XXXX XXXX XXXX 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 2018-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The amount is {$700.00}. I disputed this and The account was deleted and then sold to other company and no it has reappeared on my credit. I was not notified about this. Please delete. It was put on my credit on 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 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: CA

Complaint narrative:
MY IDENTITY WAS STOLEN WHEN MY WALLET WAS TAKEN. SOMEONE RECEIVED A LOAN IN MY NAME WITHOUT MY KNOWLEDGE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: ACS Education Services
State: SC

Complaint narrative:
I have been corresponding back and forth with ACS/XXXX  and now Conduent for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX and XXXX XXXX ). 

Conduent is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from ACS notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to Conduent, they said that the payments were already scheduled forXX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by Conduent and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: IL

Complaint narrative:
I have been wronged by student loan servicer XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I was reviewing my files on my credit report and I discovered XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have never given this company permission to have access to any of my personal medical records. I never received any medical services from this company. I would like to know how any of my HIPAA Act protected information was released and I would REQUEST a copy of any signed documentation approving this release of records! I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

3.Cease any credit bureau reporting until debt has been validated by me.

4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.

Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency.

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 2018-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX, VA XXXX this is not my account this was a result of id theft i have sent many disputes with proof portfolio recovery constantly calls and harrassed me they do not care how late the call they also use robo call which is illegal i am trying to resolve this without going to court but if they do not remove the item off of my report i have no other choice than to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Opened a savings and checking account at Chase Bank. Was charged for a debit card. No one told me. Was charged to withdraw money out of my account, no one disclosed this. Last straw was $ XXXX/month service fee on my accounts that again no one disclosed to me. Closed account and was put in negative on 2 accounts. After I told clerk that I might have pending transactions and he said " No they all cleared '' .These accounts were only opened XX/XX/XXXX to XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have opened an account with Coinbase more than 3 months ago and deposit a large sum to purchase crypto currency. They locked my acccount for more than 3 months now. I have no access to my account and dont know what is going on with my balance when I called customer service at coinbase they were helpless. They responded by oh sorry but we have our specialist working on the case and we could not tell you how long it would take? I am worry about my money and dont know what they do with it. Please investigate this matter case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: NY

Complaint narrative:
XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX  / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX collection account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX  collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off 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 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: AZ

Complaint narrative:
I received a loan from Blue Trust Loans ( Hummingbird Funds, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2018. The rate is 754 % APR. I have paid {$2000.00} towards the original balance of {$700.00} over the course of 4 months. I was unaware that a loan like this is illegal in Arizona ( where I live ). Since this loan is illegal, and I have already repaid the loan and then some, I would like this loan to be voided and reported as paid in full.

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 2018-05-18 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: MO

Complaint narrative:
On XX/XX/XXXX I sent dispute letter to all 3 credit bureaus requesting the removal of several items. A closed credit card account that is over 10yrs old, a charged off credit card account over 8 years old and two collection accounts that I do not owe money to and never had contracts with. XXXX  deleted all the accounts. Experian and XXXX did not, they only updated the reporting of the account. I contacted Experian and XXXX again via mail on XX/XX/XXXX. I explained to them that XXXX had deleted the accounts, provided proof of that and asked them to also delete the accounts from my credit file. Experian, updated the account again and did not remove it as requested. XXXX did the same and advised me to contact the credit card company. My complaint is that they are not required by law to continue reporting this outdated information and they ARE required by law to remove it at my request. The information I need help having deleted is XXXX XXXX XXXX on my Experian file, XXXX XXXX XXXX and XXXX XXXX XXXX on my XXXX file. 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 non-monetary relief
Consumer complaint received 2018-05-18 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
keeps reporting information on a account that has been paid in full. Account needs to be closed paid in full removed from all credit bureaus and should not be reporting information without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello cfpb, I contacted you in the past concerning my bank problem, I don't know if you thought it was settled but in all this time using lawyers and government offices I continue to look for closure and compensation. 
In XXXX it was brought to my attention that for the pass 14 years, bank employee or employees had been removing money from my Money Market Savings account, Trust account and checking account. I learned that after I would send my bank papers and information to several different offices, nothing came of it I was puzzled as to why a bank such a XXXX XXXX and Chase Bank would let a thing like this go unsettled. Manager XXXX XXXX XXXX at the XXXX Ohio, branch of Chase Bank either was appointed or took it upon himself to intervene with my case. He would tell them that it had been taken care of. He never looked at my bank statements or figured the numbers. In fact when I went to the bank and showed him my checking account where I deposited {$75000.00} and a bank employee removed the {$70000.00} she said my son owed on his loan, it was put in an investment firm in my daughters name without me knowing. XXXX XXXX told me they were not going to give me this money. When I first became aware of the situation, I called the bank and the clerk told me to call the CEO XXXX XXXX, I was shocked to think the CEO would remove money from a depositor 's accounts. I did write him with fax 's and letters the most recent was XX/XX/XXXX with my papers as proof. He never responded to my concerns. I feel he should have gotten in touch with me and appointed someone to look into my complaint if he was to busy to bother himself. This has taken 25 years of my life I lived in a depressed state of mind, not living but only existing.

Company response to consumer: Closed with explanation