vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
In XX/XX/XXXX I was approved for a consolidation by XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX XXXX returned approximately XXXX back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by TSI Transworld Systems 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. InXX/XX/XXXX my wages were garnished. I called TSI and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XXXX the notice was mailed to me and TSI resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to XXXX to resolve the issue and XXXX has not responded. I contacted XXXX XXXX with TSI to explain the situation and ask for his assistance in reaching XXXX to resolve because when I call the automated system referred me to TSI and disconnects. XXXX assured me He would help and suggested I call back Friday XXXX. Instead of assistance from TSI, they resolved my dispute and on XX/XX/XXXXgarnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue TSI for unfair treatment and unethical collection practices. TSI 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24 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: MD

Complaint narrative:
I have had this Student Loan since 2004, at first it was with XXXX XXXX then it was transferred to Navient. The loan started with a 2 balances one at XXXX and some change, the other at XXXX and some change. I have been paying on these loans since than ... My current balances have sky rocketed to XXXX.. I just learned that the interest is higher than my payments ... so when I make a payment of {$150.00} every month it only goes towards the principle or interests ... My balance will never go down ..the balances are rising. I am single with one job..i am now having problems with physical problems which keep me sick a lot. I just can not afford to pay a higher amount, I contacted Navient to discuss other options but they say they can not help me.. Can someone please help me with this situation ... I have had other companies contact me with other payment options but they turned out to be scams ... it seems like I will never pay this loan off ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Last year my sister send me {$2000.00} from her chase account to my back of america account. my sister use my email address to send the money ; this email address was not register in my account. The money was deposit in a internal Bank of American Account. Now Bank of America do not want to return the money to chase. Every time i call, no one know how to help 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 2017-06-24 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: AR

Complaint narrative:
I have an old account with XXXX XXXX XXXX/XXXX in the amount of XXXX that was opened in 2009. All of my loans were consolidated with a government program and XXXX is now over my payments. But this company is reporting 180 days past due even though it has been closed. Its also more than 7 yrs old. I have disputed this with equifax numetous times and they have failed to remove this old account. They dont even investigate it. This is harming my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

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 2017-06-24 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: TX

Complaint narrative:
Accessed the credit bureaus online to file a dispute on inaccurate personal information and inquiries. Was able to create an online account however I was unable to get pass the identity validation questions. I answered the questions with the answers that I know to be correct however I received an internal error message- the information can not be verified. Obviously the bureaus have incorrect information reporting for me which in turn make it impossible for me dispute the info- which is the whole reason I am trying to gain access to the reports.

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 2017-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I use d Coinbase to  buy  XXXX   XXXX  for a total of {$430.00} on  XXXX   XXXX ,  2017 . I used their mobile application to monitor the health of the coin to see when the right time to sell was. On  XXXX   XXXX  I sold my  XXXX   XXXX  for {$680.00}. I have yet to receive the money into my account and have tried to reach out to the company via their support email to see when it will be delivered. They keep saying on their site how their running into issues and responses times are significantly delayed . Twelve days later or two business weeks later I still have yet to receive my money or an email from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: AZ

Complaint narrative:
In XX/XX/XXXX I was approved for a consolidation by Dept. Of Education XXXX XXXX XXXX. The money was sent to all creditors. On XX/XX/XXXX ECMC returned approximately 2300.00 back to XXXX  XXXX XXXX without an explanation. In XX/XX/XXXX I was contacted by XXXX XXXX XXXX 3rd Party collection agency stating the debt was outstanding. I explained all debts were consolidated and this debt is paid in full. In XX/XX/XXXX my wages were garnished. I called XXXX and was denied the dispute and told it would not stop the discharge. I escalated and was transferred to XXXX XXXX. Who took the dispute. XXXX agreed to send my original promissory note. On XX/XX/XXXX the notice was mailed to me and XXXX resolved my dispute and put me back into collection. I called XXXX XXXX directly and he put my case back in dispute but not before I suffered another garnishment. On XX/XX/XXXX I mailed all proof to XXXX XXXX to help me dispute. They agreed to call this a missed loan issue and not require me to file for another consolidation and stated the claim can take up to 30 days. On XX/XX/XXXX I contacted XXXX XXXX for a status. I was informed by XXXX that on XX/XX/XXXX XXXX XXXX sent notification to ECMC to resolve the issue and ECMC has not responded. I contacted XXXX XXXX with XXXX to explain the situation and ask for his assistance in reaching ECMC to resolve because when I call the automated system referred me to XXXX and disconnects. XXXX assured me He would help and suggested I call back Friday XX/XX/XXXX. Instead of assistance from XXXX, they resolved my dispute and on XX/XX/XXXX garnished my wages again. Since this ordeal has started my wages have been garnished approximately {$1000.00} which is 1/2 the debt owed. The unexpected garnishment has placed me in a financial hardship and forced me to borrow money and juggle my mortgage and other financial responsibilities. I would like to file a claim and obtain information to sue XXXX for unfair treatment and unethical collection practices. XXXX 's only focus is to recover their % by collecting on a debt that is truly not valid. I understand their position as a collection agency, but their practices are bordering unethical and harassment and definitely not helpful. I have been in constant contact with all 3 companies trying to resolve this issue. 6 months later it is still unresolved and I am being burdened, harrassed, and my wages garnished for my diligence. Please help. I am looking for ways to stop the garnishment, resolve the outstanding issue and recover on garnished wages and hardship. Please help. I can be reached at XXXX and my name is XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: FL

Complaint narrative:
CFPB Complaint  XXXX  was recently closed after the collection agency agreed to delete the  XXXX  items but only deleted  XXXX  of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi cards di spute case number Case ID :  XXXX , first I filed dispute because I have n't received ordered merchandise, after receiving it City cards reversed the credit but I was not happy with the quality since I received completely different product that was ordered so I shipped it back. Since then I have been trying to contact citi cards and merchant to get my money back for the return without success. City bank closed the case stating they never received return tracking number, but it 's not true. I emailed and faxed it over multiple times.

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 2017-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: INVESTORS BANK
State: PA

Complaint narrative:
I missed my payment a few times, not in a row, in the following months after, I paid extra to catch up each month. Instead of applying the extra money to my lateness, they applied it to the principle. The paperwork I received never showed my mortgage as delinquent until a year later. When I tried to straiten it out on the phone, they were rude, and said they could n't go back and change it now. Now I 'm paying hundreds of Dollars in late fees, and I ca n't get caught up.

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 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please be advised, it has been over a year that i have tried to work with both credit bureaus Experian and XXXX and XXXX XXXX XXXX XXXX to have an account that is reporting false and inaccurate information removed. I have called and wrote letters to all 3 companies and to date, like i said it has been over a year and the wrong information remain on both me and my wife credit. <P/>I am not sure who is at fault, the bureaus or the credit union, but XXXX XXXX XXXX XXXX # XXXX is reporting on my credit as a REPOSSESSION when i still have the car and have been driving it pretty much every day, making my payments on time without any slow pays or missed payments!!!! <P/>At this point, i have met with an attorney and will move forward with a steep law suit because this discrepancy has prevented me from securing a home loan for my family and I. My beautiful daughters should not have to suffer because of an error that has been caused by the bureaus or the credit union. I am requesting the account be removed or the payment history be corrected by XXXX XXXX, 2017!!!
<P/>I have awaited a year!!!

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 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
inquiry victim today i checked my report again i have inquires from companies i never authorized on all  XXXX  credit reports  XXXX ,  XXXX ,  Trans  union.   I called th e Credit reporting agencies they told me to call the companies, i called the companies and they said for me to send a copy to them and need to investigate it because the Credit reportin g agencies make mistakes.

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 2017-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Using the   XXXX   XXXX   app, it pu ts two or three s mall deposits into my account, which my bank is supposed to put back. But my bank has not returned the amounts yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On Friday, XX/XX/2017, I made many attempts to contact the Navient 's Private Loan Department. When I called I was transferred to the Department of Education Department, where I was asked a verify information. When I asked to speak to someone in the private loan department they would transfer me, but the transfer never worked. Instead, I would get a dial tone. I called repeatedly with the same results. I spoke to about 12 different people regarding my Department of Education loans, but they were unable to transfer me or offer me help on how to move forward with my private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I recently noticed two OPEN collection accounts on three of my credit bureau reports stating that Midland Funding/Credit Management has placed on my report as a " collection '' account. I was not aware of any such company that I owe a debt to yet alone two separate accounts with two different debt amounts. I was puzzled. OnXX/XX/XXXX I 've sent Midland Funding LLC two separate letters via certified mail regarding the two separate collection accounts they are claiming I owed. Asking them to validate my account by sending me evidence bearing my signature showing that I have ever signed a contractual obligation with them. Asked them to reply within 30 days of receiving my letters. Per my tracking system they received these letters on onXX/XX/XXXX. On XX/XX/XXXX, I noticed the accounts moved from OPEN status to CLOSED status with balances still owed by me apparently. I 'm even more puzzled. It is now XX/XX/XXXX and I still have yet to hear from them with my reply of this agreement I am asking for. On the 31st day, if they do not reply I will have to take the next step to excercise my rights. This is very damaging to my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I 've notice  XXXX   XXXX  is associated with  XXXX    XXXX   XXXX  . The  XXXX   XXXX  stole my identity, by changing my date of birth on my   XXXX   credit report. My former employers have been changed from  XXXX   XXXX . All of my former addresses have been changed. Social Security have written me a query with all of my former employers ein # 's. They 've placed a seven year alert on my credit report & a monitoring service. Copies of my original mortgage was made with my signature. This is how they refinanced my mortgage with you &  XXXX    XXXX   XXXX   I used Attorney  XXXX   XXXX   XXXX  address to receive a copy of the invoice. The  XXXX   XXXX  is stealing my mail. I 've been under investigation by The FBI,  Secret Service &  The United States Attorney General  office  to learn what I now have knowledge of. They 've used my   XXXX    XXXX  child Power of Attorney to make these fraudgelant transactions. They filed my  XXXX  tax return using fraud information. My buy date was changed by the family to steal unemployment funds. Because my former employer  XXXX   XXXX  did not report taxes to  The Department of Labor.  My employee records was pulled also. The buy date was extended to  XX/XX/XXXX , it should have been  XX/XX/XXXX . They used Government funds to pay different mortgages with  XXXX    XXXX   XXXX  .  XXXX   XXXX    XXXX   XXXX   have also amended & restated all of my tax returns & made themselves my conservator. The company is a  XXXX . In  XXXX   XXXX   XXXX  used {$53000.00} of my employee owned senior preferred stock to sell my home. The  XXXX   XXXX  was in competition with  XXXX   XXXX  & they do n't know how the company is structered. They 've placed my life in jeopardy. The  Authorities  pulled my employee records from  XXXX   XXXX   XXXX    XXXX  . I 've been trying to notify all of my creditors. The  XXXX   XXXX   &   XXXX   XXXX  is trying to delete my history. I 've contacted  XXXX    XXXX   XXXX  . I would like to hear from you. The  XXXX   XXXX  had  XXXX    XXXX   XXXX   added to Bankruptcy court electronic data interchange in  XXXX . They changed the date of purchase to reflect  XX/XX/XXXX . That 's not true because I purchased the property that year with  XXXX   XXXX . They refinanced my home in  XXXX  & transmitted {$100000.00} to   XXXX   XXXX   from  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