vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have written to the original credit who is   XXXX   XXXX   XXXX   XXXX   The information is being reported inaccurately, The notice receive first indicated that they were reporting correctly but   XXXX   XXXX  ,   XXXX   XXXX    or   XXXX   XXXX   has yet to show me evidence of my signature bearing this account. I have not been given, the evidence of the validation of the correct measure by law and the Fair Credit Reporting Act as well as who or want person name, address or telephone to whom was supposed to validate that I owe this company. A computer print out by an employee going through a data base is not the proper proof of an debt owed by me.

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 2017-07-19 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I opened an American Express Platinum card with a XXXX bonus point offer this past XX/XX/XXXX. During the application, it asked me for my income, and, as I was a XXXX XXXX at the time, put {$0.00}. My card was still approved. For the first payment, I forgot to inform my checking account bank that I had a new credit card, so when they saw the payment, they flagged it as fraudulent. I straightened it out and paid off my debt as soon as I realized.
I met the spending requirement for the bonus points, but never received the bonus points or spent any bonus points at all. The account was fully paid off.
After this, American Express canceled my Platinum card. They say it was due to my {$0.00} income ( which they knew about when I applied ) and due to the fraud alert on the card ( which was not a genuine fraud ). I spoke with them on multiple occasions and was assured once I started my new job this summer after XXXX that they would reinstate the account.
I have now started my new job and called American Express to reinstate my account. They told me I would have to apply for a new Platinum card as they can not reopen the card. They told me that I will not be eligible for the XXXX bonus point offer because I previously held a Platinum card ( despite not receiving or using any bonus points whatsoever ). They refused to compromise on this situation and instead offered me a Platinum card without any bonus points attached at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
This company Midwest recovery systems, has purchased a debt that was closed out by the original creditor (   XXXX   XXXX   ). They have added it to my credit report and this is not acceptable. The debt was originally my  XXXX  year old son 's medical bill. The bill was supposed to be paid by the insurance company, this debt was closed out by the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The Bank of America foreclosed my checking account with a balance of {$5000.00} despite the fact that I filed police report and check fraud claim with the bank.
I was a victim of a check fraud through a customer of the bank this is because   XXXX   XXXX   mailed two checks to my address under the instruction to pay sum of {$6500.00} to   XXXX   XXXX   with acct no -  XXXX   and   XXXX   XXXX   XXXX  , the sum of {$7900.00} with acct no-  XXXX   all in the Bank of America.
After the transfer into these two accounts at the Bank of America the two checks went bad. The bank ought to have protected me as a customer by not allowing these two transaction go through.

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 2017-07-19 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington National Bank did a hard inquiry on  XXXX / XXXX /2017 without my permission! I have not personally requested for any loans or credit from them. I am a victim of identity theft and currently have identity theft alerts on all my credit reports. This additional unwarranted and unauthorized inquiry is causing damages beyond their knowledge! I want to know who personally requested my private information so that I can have law enforcement take proper actions. I am tired of being abused in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Since 2009, I have received student loans and have them serviced by Navient. Since them I have struggled to pay the payments on time. Calling Navient and requesting help is a waste of time. I have requested forbearance, IBR plans, etc and have only run into one person who actually allowed me to do it with one loan. Otherwise, apparently I am not eligible for no specific reason.
After reading about the recent CFPB complaints, they sound very similar to my experience with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I opened my home loan in  XX/XX/XXXX , and it has been sold twice since then. The most recent owner of my home lone is DiTech Financial. Since Ditech took over my loan, they have LOST my payments TWICE and had to go deep into their system to retrieve my money.
NOW they have a new scam - they have diverted a portion of my payment to an " escrow '' account. I have NEVER made escrow payments through Ditech. I manage my property tax and insurance ON MY OWN and therefore have NEVER needed an escrow account on my mortgage. This is a NEW SCAM orchestrated by Ditech to steal money from me each month, hoping that I would not notice.
The illegal charge was made on my most recent payment on  XX/XX/XXXX , with an amount of {$100.00} being funneled into their backchannel " escrow '' account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TX

Complaint narrative:
I disputed multiple inquiries on my credit report on XX/XX/XXXX I disputed these inquiries : XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX Equifax Mortgage Services : :XXXX XXXX Show DetailsXX/XX/XXXX, XX/XX/XXXXEquifax Mortgage Services : :XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX , XX/XX/XXXXXXXX XXXX Show DetailsXX/XX/XXXX,XX/XX/XXXX XXXX XXXX : :XXXX XXXX XXXX  Show Details XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXXXXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Show Details XX/XX/XXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX ,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX. Upon disputing these I stated that I did not give provision for the companies to run my credit. According to Equifax these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on XXXX, and XXXX and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I enrolled in a service called   XXXX   XXXX   which is a payday loan service. The problem that I am having is that they partner with my bank but my bank sometimes partners with them and sometimes they do n't. For example I was able to enroll my bank with this service but then in the middle of the service my bank is no longer a partner with them and then I am unable to use active hours. The bank that I use is the North Carolina State Employees Credit Union. This when this happens it puts me in debt with the company   XXXX   XXXX   because they are no longer able to connect to my bank to withdraw funds owed to them or deposit funds I make request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TX

Complaint narrative:
I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :   XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX   XXXX  :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX  XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX    XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX   XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on  XXXX , and transunion and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.

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 2017-07-19 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: TX

Complaint narrative:
I disputed multiple inquiries on my credit report on  XX/XX/XXXX . I disputed these inquiries :  XXXX  : :  XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details XX/XX/XXXX ,  XX/XX/XXXX    XXXX   :   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX    : :   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX ,  XX/XX/XXXX   XXXX  Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   XXXX   XXXX   Show Details XX/XX/XXXX    XXXX   XXXX   XXXX   : :  XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   XXXX   :   XXXX   XXXX   XXXX    Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX  ,  XX/XX/XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX    XXXX   XXXX   : :  XXXX   XXXX   XXXX  A Show Details XX/XX/XXXX    XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  T  XXXX   XXXX   Show Details  XX/XX/XXXX    XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX  , XX/XX/XXXX ,  XX/XX/XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   Show Details  XX/XX/XXXX ,  XX/XX/XXXX . Upon disputing these I stated that I did not give provision for the companies to run my credit. According to  XXXX  these companies certify that they did so the is the proof that they need to keep them on my report. I in retired asked for documentation where I gave approval. The dispute has been closed and I never received any documentation of me requesting these reports. The report was closed the same day it was opened.
I also disputed them on experian, and   XXXX   and was given the same result. I also have a fraud alert on my report so they are supposed to call and verify in time someone pulls my credit.

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 2017-07-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Today we received a notice from bank of America that they are selling my mortgage to another company called   XXXX   XXXX   XXXX   XXXX  , taking place as of   XXXX   XXXX   2017, which the reviews on his company are terrible, they also say that this company just keep charging you late fees when in fact you are paying your mortgage on time. Can I stop this practice of Bank of America from selling my mortgage to his company? What can we do as consumers? We received this notice 13 days before this change taking place.

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 2017-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase support not responding I have already opened a support ticket on  XXXX / XXXX /2017 Case #  XXXX .
I lost my phone and did n't have the backup code to restore   XXXX   XXXX  
I tried with the wizard to verify the identity but it say document is unreadable, same ID I used to verify the account a few months ago.
The problem is the lack of support, they do not have a support phone line and it is not possible to write direct mail.
The first time I received an automatic mail telling me to wait up to 72h, since then 12 days have passed. I tried to contact them via other channels (   XXXX   and  XXXX  ) but I have never received a response.
I 'm frustrated because I have access to the mail used to sign up for their service and the   associated cell phone number, but I still can not access my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: MI

Complaint narrative:
Had credit report ran to obtain mortgage loan  XXXX  2017, was told I need to get dispute remarks removed. Immediately called all  XXXX  bureaus  XXXX , TransUnion, and  XXXX . Was told by each company that they would be removed. Waited 30 days and still showing on credit report. Called all  XXXX  bureaus a second time in   XXXX   2017 and waited another 30 days still dispute remarks are there. Called a 3rd time   XXXX    2017 and dispute remarks are still there. Even called creditors and no luck after being told they were removed.

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 2017-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I sent a piece of certified mail to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received by BANK OF AMERICA on   XXXX   XXXX  , 2017.. This demand letter for specific validation was never responded back to within 30 days of receipt of my certified letter. BANK OF AMERICA is in violation of my rights under the FAIR DEBT COLLECTION PRACTICES ACT. I then sent a certified letter back to BANK OF AMERICA on   XXXX   XXXX  , 2017 and it was received on   XXXX   XXXX  ,2017 informing them that they did not respond back to my direct validation dispute and they are required to remove this from my credit immediately. Currently BANK OF AMERICA is still on my credit and they will need to remove this trade line from my credit immediately.

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 2017-07-19 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: NC

Complaint narrative:
I have disputed fraud on my credit report with equifax inquiries and i have disputed them and they will not remove them and i have stated to them i never authorized them and the creditor did not have my permissible purpose. According to the fair credit reporting act, section 604, a creditor should n't have access to a consumer 's credit information, unless the individual himself gives written permission. I have not given any of the below creditors written permission to pull me credit, and equifax does n't not have my written permission from the creditor on flie either so i would like the below inquiries remove.
CUSTOMER NAME CUSTOMER NUMBER DATE   XXXX   XXXX   XXXX    XXXX   XX/XX/XXXX  STATE EMPOLYEES   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX     XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX     XXXX     XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Violations of 18 U.S.C.1970 The Anti-SLAPP provision by the Administrative agents of all   XXXX   of our major Credit Bureau 's of Trans Union ,   XXXX   , and   XXXX   that 's amounts to hate crimes and Conspiracy to Commit Fraud, and Rackateering under 18 U.S.C. 1964 ( C ) & 1964 ( d ). There administrative policies and the law states they can not list institutions who inquire about you more than once! What they are doing is listing the institutions that inquire about you repeatedly! What this criminal act does is deny anyone who requests to view your credit report access to your report! This is a violation of F.M.O.C. v. Merrill ( 1979 ). These illegal administrative acts are targeted toward   XXXX   XXXX   Males, and is classified by law as hate crimes!

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 2017-07-19 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: Credit Collection Partners, Inc.
State: IL

Complaint narrative:
On XXXX XXXX 2017 I paid off an old hospital bill with the agreement of it being reported as paid in full. Credit Collection Partners of XXXX  Illinois promised me it would show positive report beginning of the following month. They lied to me. In fact they only removed some of the accounts and reduced one significantly. There was a total of 4 medical bills and showed 3 moved and one reduced. I called them and emailed them and they said it would be fixed. It 's been almost another month and it still reports the same.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Further to my Complaint no.   XXXX   and the Company 's Response, I reiterate that I applied for the card under the promotional offer by clicking on a link to the offer. Although the welcome bonus offer was described in the terms and conditions and an additional disclosure before I applied for the card, American Express should have either denied my application or informed me that I was not eligible for the offer at the time of approval of my application.  Amex did neither, and made me believe that I never had a similar card in the past and that I was eligible for the offer. Only after meeting the offer requirements and demanding the bonus, Amex told me that I previously had a similar card. It is clear that Amex was not fair in communicating with prospective custo mers.

Company response to consumer: Closed with explanation