vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
XX/XX/XXXX {$5000.00} I applied for the first loan in XX/XX/XXXX. I was denied because of a non-traditonal banking account. I have applied several times online since then and I have contacted them. 
Their online system will not allow for me to place an new application. It shows the old application - DENIED. It has been almost seven months and I am not allowed to apply for a new loan. 
They are not trying to correct it. I thought a person could apply for a loan at any time. It WILL NOT ALLOW ME TO PLACE AN APPLICATION ONLINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : 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 : Transunion : XXXX 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 2018-07-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department. Please help me get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX. XXXX XXXX XXXX : XXXX : XXXX Experian : XXXX : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX .XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX Experian : XXXX : XXXX : XXXX XXXX XXXX Experian : 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 non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was selling an item on XXXX. The purchaser sent me a XXXX XXXX  cashiers check for XXXX. XXXX of that was to be paid to a moving company who would " pick up the item they puchased '' I deposited it into my bank. Then the buyer decided to back out of the deal and asked that i send him the remaining balance to his XXXX account.Thinking this was legit and made a second EFT for XXXX to the person for the remaining balance of the " bad cahsiers check ''. The very next day i see my bank also denied the bank issued cashiers check as it was fake. I immediately opened a claim with Chase to have the XXXX transactions cancelled and returned to my account. A week later i call up on the case and Chase explained to me since i made the transactions through the XXXX   system there was nothing they could do to recover the money since it was not in there eyes fraud. I called up XXXX and they advised me they can not help me because i did not go thru there mobile app that i went thru my banks system ( which used XXXX services ) to make the EFT. Now im XXXX lost and it seems both XXXX and chase are not helping me in this matter at all. I ask chase why partner up with a company that will allow for such scams to occur using there system

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
have submitted a loan modification over and over at this point I don't think the package goes to underwriting the loan was originally a bad interest only loan Ocwen just keeps adding onto the interest only balance there is no justification to what happens once a package is sent to Ocwen its apparent that a review to assist me with this bad loan happens ; in a few days after receipt of the pkg. Ocwen denies

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 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am an executor of an estate. The beneficiary of real property under this estate is a " successor in interest '' of real property encumbered by a mortgage held by PNC Mortgage. I have provided PNC mortgage with all information requested to validate the beneficiary as a " successor in interest, '' including the Will of the deceased which clearly indicates that the beneficiary is the recipient of the real property. I have now spoken with at least 7 representatives of PNC and have gotten no where. 

PNC Mortgage insists that I as the executor of the estate need to execute a third party authorization form to grant the beneficiary access to the mortgage information. In accordance with the Mortgage Servicing Rules and effective XX/XX/2018, an Successor of interest includes a transfer to a relative resulting from the death of a borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Seattle Service Bureau, Inc
State: WA

Complaint narrative:
My credit report states that I have a collection with XXXX XXXX XXXX. 
Since XX/XX/2018 I have requested twice that they send me information about the collection, date of service, patient, place of service. The account is also reporting Joint. I do not have any Joint accounts. 
Called again today XX/XX/2018. there was no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: TX

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX  ) XXXX XXXX XXXX Account Number XXXX. ( XXXX, equifax ) XXXX XXXX XXXX Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
An unauthorized charge appeared on our citi charge card in the amount of {$1100.00} on XX/XX/18. I immediately disputed the amount with the credit card company. I also tried to contact XXXX  to whom the charge was made. Unfortunately, it appears XXXX is unable to be contacted and only the people who can use their website are the people that sell the product. My husband or myself do not sell this product so we are unable to contact anyone at the company. We are not able to log in at all to make any purchases. 

I complained to the XXXX XXXX XXXX about the lack of communication afforded to the general population and XXXXl did contact me but refuses to reverse the charge. I also contacted Citi cards a second time to dispute the charge again. Citi card responded by saying " Due to conflicting information, we can not mandate the merchant to issue a credit to your credit card. '' Nobody is bothering to investigate this fraudulent charge which means this will occur again! If anyone investigated they will see the address where the supplies were sent and the name that was used clearly don't match. In addition, we are unable to log in to the XXXX website proving no purchases were made.

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 2018-07-26 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: Navient Solutions, LLC.
State: DE

Complaint narrative:
I currently have loans with Navient totaling {$89000.00}. 8 out of 9 loans are private loans and the last is subsidized. After graduating college, I had a hard time making payments so I called the company in XX/XX/XXXX to be put on a payment plan. They were not clear whether I was on an income driven plan or a lower APR plan with extended terms, or both. I never received any disclosures. Before you enter a payment plan you must make the first 3 payments of the plan before they consider your account to be brought current. So while I was paying on my loans I was still being reported delinquent and some months I was paying up to {$400.00} a month! Once your plan ends there is no notification that you must renew. They clearly state in multiple places that they do no delete past due payments on your credit report. My credit is ruined because they reported me delinquent although they were taking automatic payments out of my account. This is so unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I made arrangements with midsouth back in XXXX to have my bill of {$360.00} paid every two weeks which I did and I paid my bill in full. 
I have called their offices on several occasions asking them to remove the debt since its paid in full. collections on my credit report makes it hard for me to purchase my home. I spoke with several managers XXXX and XXXX. Both stating that they have an agreement with XXXX and they are not allowed to remove a debt from a consumer 's report unless it was in error. I called XXXX   and they told me that the collection agency has to be the one to remove the debt since its paid in full. I mean I think its a disgrace for debt collection agency to be so dis honorable and lie to customers. 

I also feel that if they are the ones to report it to the credit bureau, why can't they delete it. they can just continue to be a pain in the behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
My husband and I had credit cards through First National Bank of Omaha in XX/XX/XXXX and XX/XX/XXXX. They were paid off with a consolidation loan though XXXX dated XX/XX/XXXX. Also thorough a consolidation loan through XXXX XXXX, which was subsequently paid off with the XXXX loan. We received a judgment from XXXX XXXX XXXX XXXX for both credit cards stating that the cards were never paid. We have the loan documents from XXXX that state that payments of {$480.00} and {$1200.00} were sent to First National Bank of Omaha to pay off the accounts. My husband 's checks are now being garnished for just over {$400.00} each month and at least once every year our bank accounts are garnished taking every penny we have for a debt that was paid in XX/XX/XXXX. I tried to get the documentation from XXXX to show what that loan was used to pay and how much because I know some of it was used towards one of these credit cards. They stated that since it was over 7 years ago they no longer have that paperwork and can not provide me with any documentation that there was ever a loan in the first place ... aside from a paper showing my payment history on the loan. We called XXXX XXXX XXXX who directed us to their lawyer at XXXX XXXX XXXX, XXXX who laughed when we told them we had paid this off and told us to prove it.

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 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C Systems have been reporting an erroneous Collection account under my XXXX credit file for sometime. 

I sent them 2 letters via U.S. Mail and both letters have gone unanswered. I mailed the letter to them to their offices in XXXX XXXX, Minnesota as per their website. ( ICSystem.com ). 

They are willfully in violation of the Fair Debt Collection Practices Act ( FDCPA ) and also the Texas Fair Debt Collection Practices Act ( State XXXX XXXX ). 

They have failed to provide verification of this alleged debt. The FDCPA states " If a consumer sends a written dispute or request for verification within 30 days of receiving the 1692g notice, then the debt collector must either mail the consumer the requested verification information or cease collection efforts altogether. Such asserted disputes must also be reported by the creditor to any credit bureau that reports the debt. Verification should include at a minimum the amount owed and the name and address of the original creditor ''. They have failed and I have given them now over 60 days. 


As of today, I have formally sent a complaint to the Federal Trade Commission, the Texas Attorney General 's Office and also have made contact with a Law Firm to see what my options are. 

I will be suing for willful violation of all Acts and also sue for financial harm since I have been turned down for credit after applying for credit and having this frivolous trade-in on my credit report. 

They have until the close of business of XX/XX/2018 or I will file a personal lawsuit against IC Systems or have my outside counsel file a lawsuit. 

Thanks, 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 2018-07-26 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: TX

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( XXXX ) XXXX XXXX XXXX Account Number XXXX. ( XXXX XXXX ) XXXX XXXX XXXX  Account Number XXXX ( XXXX ) XXXX XXXX XXXX Account Number 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 2018-07-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

( experian ) XXXX XXXX XXXX Account Number XXXX. ( experian, XXXX ) XXXX XXXX XXXX Account Number XXXX ( experian ) XXXX XXXX XXXX Account Number 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 non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX I was looking for a minimum $ XXXX higher limit but with no fees, lower interest.The suggestions as per reviews came back as American Express Simply Cash . I tried two times to get the forms fields to fill out correctly and it gave me a message that the offer wasn't available despite it took my information and never gave me a response let alone in 30 seconds as advertised. I had made soft inquiries before without any problems like this and became afraid that I was being info sucked to invade my social security account or some way to hurt me. I was then inquired about my bank info from the site that just claimed there was no offer available. 
I called customer service ( XXXX ) XXXX. The man took my social number and referred me over to another guy who was decidedly XXXX sounding. They had some fake sounding recording beep, and when they claimed my application was there I said I wanted to talk to a supervisor. He put me on hold for 15+- minutes and for a total of 20 minutes so I hung up. This is all too unbelievable compared to other applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I currently have loans with XXXX totaling {$89000.00}. 8 out of 9 loans are private loans and the last is subsidized. After graduating college, I had a hard time making payments so I called the company in XX/XX/XXXX to be put on a payment plan. They were not clear whether I was on an income driven plan or a lower APR plan with extended terms, or both. I never received any disclosures. Before you enter a payment plan you must make the first 3 payments of the plan before they consider your account to be brought current. So while I was paying on my loans I was still being reported delinquent and some months I was paying up to {$400.00} a month! Once your plan ends there is no notification that you must renew. They clearly state in multiple places that they do no delete past due payments on your credit report. My credit is ruined because they reported me delinquent although they were taking automatic payments out of my account. This is so unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX  XXXX XXXX Equifax : XXXX. 
XXXX : XXXX XXXX /XXXX Equifax XXXX XXXX. XXXX  : XXXX XXXX  : XXXX .XXXX XXXX XXXX Equifax XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Account was initially locked then suspended. It has been over a month but my USD funds are locked in the Coinbase system without a method for withdraw. Multiple emails and phone calls have been made, but there has been no action for resolution or even talks of how the issue will be resolved. 
- All phone calls have ended with " a specialist with reach out to you '' all emails have been canned answers " Unfortunately are unable to elaborate on our internal decision process. '' - There has been no response made via XXXX - No response from mods via XXXX - All agents ignore the issue at hand that the company is locking my personal funds on their system without any means of withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Merchants and medical is claiming that I owe them money. I never signed a contract with their company nor do I agree that I owe them. I had full coverage insurance during the time in question and have no idea why anything wouldn't have been covered. But again they haven't even provided me real proof that it's my debt or that it ever belonged to me and they refuse to remove it from my credit report. Sending a paper they typed up in their office doesn't equal proof that I ever had a bill with the hospital. I believe this is a fraudulant account which is why they haven't provided me with any proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
On XX/XX/16, I received collection notification that there was a balance of {$380.00}. I made an attempt to contact the company to dispute the balance due to the fact the benefit amounts were already paid through the insurance company.

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 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc
State: CA

Complaint narrative:
Checkr, Inc. conducted two background checks of me for XXXX XXXX XXXX XXXX. I looked at the one from XXXX & it gives information going back as far as XXXX. The one for XXXX 's goes back as far as XXXX. I got this information today XX/XX/XXXX. Due to this information XXXX 's denied me a chance to work for them. My understanding is that the background check should not go pass 7 years!

Company response to consumer: Closed with explanation