vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-25 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: NC

Complaint narrative:
I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXX I received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XXXX XXXX and she stated that on XX/XX/XXXX,  they had closed the account as disputed and had transmitted this information that same day. She gave me her number and ext ( XXXX ext XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX ) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called Equifax to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent on XX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: CL Holdings LLC
State: TN

Complaint narrative:
The debt collector is reporting incorrectly the date of delinquency on my credit report to make the debt appear new again. This account was charged off by the original creditor and is over 6 years old. It is being displayed on my credit report as date opened XX/XX/XXXX2017. I believe they are violating my consumer rights by falsely and inaccurately report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: Commonwealth Financial Systems, Inc.
State: MO

Complaint narrative:
I had XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. If this really is my account, it is evident that XXXX XXXX XXXX XXXX simply failed to bill my insurance in a timely manner. I have attached a letter from Missouri Department of Social Services stating the dates I had Medicaid/MO XXXX insurance. 
Account XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have been going around with navient/XXXX XXXX for years, i graduated XXXX school but can not pass my boards so i make {$13.00} an hr on govt assistance i have a daughter and they will Not work with me they set a payment i can not afford and said oay it or well sue you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: TX

Complaint narrative:
I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : XX/XX/XXXX ( XXXX XXXX ), XX/XX/XXXX - XXXX/XXXX, XX/XX/XXXX - XXXX, XX/XX/XXXX - XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX XXXX -XX/XX/XXXX, XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - Opened XX/XX/XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month.

XXXX XXXX  ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )

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 2017-08-25 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: TX

Complaint narrative:
I hate to be a pest about this, but I have been trying to make sure that only accurate information appears on my report to no avail. I have submitted copies of my FTC ID Report, along with copies of police report filed a long time ago validating my assertion of theft and or vandalism of property along with my ID and drivers license etc. I also attached a Certified Notarized copy of my ID Theft statement. 

I continue to have several inquiries and attempts to open new accounts in my name even though i have placed fraud alerts on my accounts. I need these items deleted from my credit report as I have not authorized these items not the following accounts. 

Inquiries : 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 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 XXXX Opened XXXX XXXX, XXXX - This account shows balnce of XXXX - This account should reflect a XXXX balance as I have paid this account off in a month. 

XXXX XXXX ( All Accounts still showing I have done business with them but this is not true and results from Accounts being established in my name without my consent. )

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 2017-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: NATIONSTAR MORTGAGE LLC
State: LA

Complaint narrative:
XXXX XXXX, XXXX, Loan # XXXX, Case # XXXX, CFPB Case # XXXX Property Adress : XXXX XXXX XXXX XXXX, XXXX. XXXX Dear XXXX XXXX, Thank you for responding to my concerns. I have attached two default notice 's I received from XXXX XXXX XXXX and calculated figures from two billing statements listed below. 

1. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$2800.00} 2. XXXX XXXX, XXXX XXXX XXXX, XXXX - {$1100.00} The totalling of both balances above comes to {$3900.00}. These calculations shows I was delinquent on my mortgage of six payments behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
I am a XXXX veteran who opened a business as an XXXX in XXXX. In XX/XX/XXXX, a card from XXXX XXXX was opened in my business name. I was aware that an offer was being made to open up an account with them, however, the partners never agreed to move forward in doing so. In XX/XX/XXXX I noticed that several purchases was made through XXXX XXXX. 

I was informed that this account was opened in my name via over the phone. I terminated all cards that came with the agreement and called XXXX XXXX to informed them to send me a copies of a signature to see who authorized the account. I never received any confirmation from them with such documents. 

I never received any statements after XXXX because we moved the business and changed our mail box account. My name was taken off of the business in XXXX because of my weakened health conditions of my XXXX. Received complaint in the mail on XXXX XXXX. Need to respond to amended complaint in next 20 days. We do not agree to the amount that is owed ( {$7000.00} ). We will be responsible for {$2500.00} at the most. What can I do since I ca n't represent myself in this matter. I have no funds to contribute to this because I have utilized everything I save up to start up my business. I filed a motion to dismiss for lack of standing and supporting memorandum in which it was denied on XXXX XXXX, XXXX counts 1 & 2 was dismissed but the judge is holding me on counts 3 & 4 which includes the account stated documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
My father, who is now estranged, took out a loan for approximately {$15000.00} with XXXX while I was in school for my XXXX degree ( XXXX ). My mother, who is divorced from my father, has been making on-time payments for over a decade. XXXX never mailed or emailed any statements. When we would call XXXX to inquire about the balance, they refused to provide us information on payment history, since we were not the borrower. 

Recently, Navient acquired the debt from XXXX. We were dismayed to find that not much progress has been made with reducing the amount owed. A similar loan taken out at the same time has been payed. Navient also refuses to provide the payment history from when the loan was with XXXX, and we are unable to speak with an XXXX representative due to their restrictive automated phone system. 

Even with an interest rate of 6 %, there should not be over {$10000.00} remaining in the account. Viewing the payment history is the first step to understand how on-time monthly payments did not reduce the payment balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been working in a XXXX XXXX for the last 9 years. My loan was sold from XXXX XXXX to Navient in XX/XX/XXXX. I was under the impression from Navient, starting in XX/XX/XXXX that I was making payments under the IBR ( Income Based Repayment ) plan, and these payments would go towards the Loan Forgiveness program for being employees through a XXXX XXXX  that is in a high risk community. They assured me and provided a spread sheet showing IBR payments and tallying how many towards the 120 payments that were required. Then,XX/XX/XXXX, I filled out the government form to track how many payments were left, since I made about 96 payments, so I could have my loan forgiven and I was told that there was no record of my payments, and I was supposed to consolidate with XXXX XXXX even though Navient miss lead me stating that it was consolidated. I consolidated with XXXX, and now Navient is stating that they have no record of any payments made to them, and that I never had an IBR set up. Every year, I filled out the reapplication, sent tax information, etc. to Navient, thinking I was doing what I was supposed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX XXXX 2017 ABC Financial Services XXXX XXXX XXXX XXXX Arizona XXXX  RE : Cease and Desist from Collections Dear : ABC Financial Services On XXXX XXXX 2017 I was contacted by one of your employees by phone, email and text message from ABC Financial Services regarding account number XXXX. I spoke with an agent by the name of XXXX and I requested that I do not want to be contacted by ABC Financial Services any longer. At this time I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Furthermore I am respectfully requesting that you refrain from contacting me by phone, email and text messages. Please refrain from using such methods as skip tracing, by contacting my relatives and employer. Do not contact met at all!
Your continues calls, emails and text messages and such conduct has caused me to suffer humiliation, embarrassment, emotional distress and physical discomfort. Please take a note that any future unsolicited methods of contact will be reported as multiple violations enacted by the Federal Trade Commissions Fair Debt Collection Practices Act including sections > 805. Communication in connection with debt collection 806. Harassment or abuse 809. Validation of debts https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I HEREBY DEMAND THAT YOU CEASE AND DESIST all future calls, emails and text messages and that you update your records immediately. If action is not taken by you to cease and desist as soon as this formal letter is received. Failure to comply with my request will leave me no choice but to take appropriate legal action against you including but not limited to filing a report against your company under the Fair Debt Collections Practices Act.
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: MT

Complaint narrative:
I Called Experian And Asked For My Annual Credit Report Like I Do Every Year And For The First Time Ever They Refused Citing That Because I Moved Recently That They Need To Verify My Change Of Address ( Out Of All The Times I Have Moved This Is The First Time They Are Refusing To Let Me Have My Report Based On Me Moving ) I Tried To Give Them My New Address They Again Refused, Gave Them My Old Address And ALL Info For Verification And They Still Refused Saying That Either Need A " Creditor '' To Verify The New Address ) Or Send A Copy Of My Driver 's Licence And Social Security Card Which I Do Not Feel Comfortable Just Sending Through The Mail To And Risking Identity Theft Just To Prove Who I Am, And Them Asking Me To Risk Identity Theft, That Is Just Wrong.Asking The " Creditors '' Would Be Perfect, Please Call The Hospital Where All Bills Originate From ( XXXX XXXX XXXX XXXX XXXX And Ask For Verification Of My Current Address ( You Could Ask The Collection Agencies Also As I Am Sure They Have My Current Address Also ) And Also My Current Address That I Need Experian To Change It To Is Also The Address You Will Be Answering This Complaint To.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 explanation
Consumer complaint received 2017-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
As of XXXX17 ' I made a transfer of {$4300.00} to my Coinbase account. The withdraw was from my XXXX XXXX. Funds, USDT, were transferred using my Bitcoin Address. Copy pasted the BTC Address : XXXX for me to transfer the USDT over to my USD Wallet on Coinbase. The transaction went through but I only received XXXX cents, still pending status, in BTC ( XXXX BTC. ) The transaction is here for anybody to see by clicking the link below. When going on the XXXX website, please copy paste the BTC Address, shown above, to view the current balance. The balance shows the XXXX cents in BTC and the rest of my funds in USDT. The funds are still there but without the Private key I can not access my funds. Coinbase, under their terms and condition, states that the private key is held by them and is not to be handed out due to privacy concerns, to which I understand. However, the address is my address and nobody elses. I understand if I sent the wrong funds to the wrong address and I am asking the for the private keys to the other individuals address, ultimately asking for their bank account information, however this is my account and my wallet so this should be a feasible task for coinbase. I tried another transaction to the same address and my {$10.00} in BTC came to my account without an issue, so I know I still have access to my account.
Public Transaction XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25 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: NC

Complaint narrative:
I submitted a dispute with the credit bureaus towards the end of XX/XX/XXXX regarding a collection account that showed up on my credit profile at the beginning of XX/XX/XXXX ( reporting company is XXXX XXXX XXXX ). This account is not my account, I have no knowledge of this payday loan and have not been provided any information from the reporting company proving that it is my debt. So I disputed this fraudulent account with the credit bureaus and on XX/XX/XXXX and XX/XX/XXXXI received the dispute results stating that the account meets FCRA requirements. The credit bureaus told me that they had sent the information I provided to the reporting company and that the reporting company conducted their own investigation saying it is my debt. AGAIN, I have received not one document showing that I owe this debt, even after verifying my address, no one has mailed any paperwork to me. On XX/XX/XXXX, I submitted a complaint with the FTC, CFPB and the NC State Attorney General reporting XXXX XXXX XXXX for continuing to report this fraudulent account to the credit bureaus. Those complaints did not resolve the issue. On XX/XX/XXXX, I spoke with XXXX XXXX from XX/XX/XXXX and she stated that on XX/XX/XXXX, they had closed the account as disputed and had transmitted this information that same day. She gave me her number and XXXX ( XXXX XXXX XXXX ) and her supervisor 's name ( XXXX XXXX ) and told me to call if I needed any other info. I spoke with a rep from XXXX that same day ( XX/XX/XXXX) and they had not received anything from XXXX XXXX. I tried to call back and speak with XXXX XXXX but she and her supervisor were " unavailable '' and would call me back. They never called back. Today, XX/XX/XXXX, I called XXXX to see if the account had been removed. Not only was it still on my report, but XXXX XXXX had reported my account as delinquent onXX/XX/XXXX, TWO DAYS AFTER MY CONVERSATION WITH XXXX XXXX SAYING THE ACCOUNT WAS NOW CLOSED. I do n't understand how a closed account can be reported as a delinquent open collection account if it was supposedly closed on XX/XX/XXXX. I need this resolved immediately! It is damaging my credit and it does not belong to me. And as stated before, I have not received any documentation proving that this account belongs to me, even after I requested paperwork be mailed to my home address. This account is unfairly being reported!

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