vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-05 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: AR

Complaint narrative:
I have recently received a copy of my credit reports with inaccurate, unauthorized alleged inquires. I 've followed all the proper steps by phone and by certified mail in reference to removing these inquiries from my credit reports. ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. ) Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file concerning these inquiries that you are reporting on my credit reports. If you do not have any documentation in your files to verify the accuracy of these inquiries then PLEASE DELETE THEM IMMEDIATELY as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

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 2017-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX I sold Test Voucher on XXXX The Voucher have expiration dates and the buyer was aware of it. 
The Buyer was supposed to used the voucher before XX/XX/XXXX on XX/XX/XXXX the buyer filed frivolous claim with XXXX and XXXX dismissed his claim. 
The buyer turn around and filed another claims with PayPal and PayPal refund the money without considering the facts. 
The transaction happened on XXXX and decide the case in my favor because they know the buyer was filing fraudulent claims. 
PayPal turn around and demand from me ridicules proof. 
PayPal intentionally ignored me and robbed me when they are aware that the buyer was not honest. 
The buyer claims with XXXX was not the same claim that he filed with PayPal. 
the buyer switch his story everytime and paypal refused to look into the facts that the buyer story is different every time and that the buyer did items was delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have federal student loans serviced by two separate companies -- Navient and XXXX. I have been paying my student loans on an IBR plan since around XX/XX/XXXX. I submitted documentation to update my Income-Based Repayment Plan in Summer of XX/XX/XXXX. XXXX processed the documentation, and adjusted my monthly payment accordingly. Navient, on the other hand, claimed that I did not qualify for IBR. When I pointed out the fact that the other student loan company ( XXXX ) reached a different conclusion, Navient would not reconsider their position or provide any explanation of how they reached the conclusion that I did not qualify. I asked for them to provide a written explanation of how they reached this result, or the calculation that they conducted to reach this result. None such explanation was provided. I asked if there was a process to challenge the conclusion or request reconsideration, and I was told no. At one point, the Navient representative stated that XXXX reached a different result than Navient because XXXX services a different type of federal loans. I had to point out that IBR applies to all federal student loans, I have no private loans, and there was no difference in the rules. This is not the first time I have had problems with getting Navient to correctly calculate my IBR monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I 've been trying to dispute inaccuracies on my credit report as well as an authorized items on my credit report I 've contacted all three credit bureaus and disputed all of the items that were not authorized and inaccurate I was asked to send in a police report which onXX/XX/XXXXI did as well as a Federal Trade Commission report was made as well as I 've sent in letters stating these were not my accounts they were inaccurate or they were not authorized by myself I 've received a confirmation that I would be having these remaining on my credit report and I 'm not sure why I needed to send in documentation pertaining to the case if they were not going to help me I am trying to get my credit report to reflect the accurate files and items that I have accumulated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: FL

Complaint narrative:
XXXX years Customer service would not help and take care of the negative inquiries on my credit report. After being on the phone for an hour and forty five min and getting transferred to every possible department they have they did NOTHING for me, Incredible! no one knew who could help with the matter. When I 'm finally speaking to someone that may be able to help she puts me on hold and then hangs up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PUBLIC RECORDS HAS XXXX ITEMS, XXXX YRS IS HERE AND SHOULD BE REMOVED FROM EQUIFAX CREDIT REPORT Reported on XX/XX/XXXXDischarged XXXX SECONDLY,, XXXX XXXX Account Info ERRONEOUS INFO, NO ONE WILL LET ME KNOW WHAT THIS IS.. 
Reported onXX/XX/XXXX BALANCE {$520.00} XXXX Date Filed Reported onXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 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: CITIBANK, N.A.
State: SC

Complaint narrative:
There was a credit card bill from Citi Bank national for the amount of {$3600.00}. I found out about this when they severed a court order XXXX XXXX XXXX. I 'd submitted an answer stating I do n't have any knowledge of this account. We went to court and XXXX XXXX Dismissed without Prejudice on XXXX XXXX, XXXX. It was not been removed from my credit report. I can submit the court documents if need be.

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 2017-10-05 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: SC

Complaint narrative:
When I tried to get a refi loan on my home. I was told I had co-signed on a car loan at a XXXX XXXX XXXX in XXXX XXXX, CO on XXXX 2017. It is a joint loan with an XXXX XXXX XXXX and was given a name of XXXX XXXX. My name is not XXXX XXXX and I do not know who this person or person ( s ) are. I reported the error to XXXX and they refused to remove this person from my credit report. I have since contacted the police in XXXX XXXX, CO and they are investigating the incident. I do n't know if they have used my social security number or my deceased husband 's but need to have this corrected as soon as possible. I ca n't seem to talk to a person at XXXX so need some help getting this corrected asap. XXXX seems to take the side of the credit union instead of listening to me. It is very frustrating. The same error is on my Equifax credit report. Thanks for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: CO

Complaint narrative:
Hi, I have a XXXX account that was a moved to a business account and was never notified that the final bill was due and was finalized after receiving devices. I never received one notification or warned that this was going to be sent to collection. I returned my devices as soon as the account was closed to a local XXXX department and chatted and called XXXX constantly to get the amount paid off. I even logged in to find my balance but the account was deactivated as the account had been closed. Every time I had to reset my password, the account information was not existance on the account. I have been on an automatic payment plan monthly with XXXX. I then saw the negative mark on my credit score and did n't even know it was XXXX till I had my loan officer send me what it was for. I called XXXX to explain my ordeal on a personal account, they pulled up my number and continue to tell me that I had a XXXX balance, I have a case number for it. They continuously tell me to wait for the final bill and I will be okay as it 's still XXXX and I can't-do anything about it now. I finally get to an account supervisor and she tells me to just do n't worry about it and they have told collections that this should n't have been sent to collections and my balance is in fact XXXX. Then I get so confused because it 's not off my record, and give them my actual account number, which they should have seen in their system instead of continuously telling me it 's XXXX. I then call business number and told me that I have to deal with it through collections now. I then Call GC services and explained to them the situation and that I did not receive any kind of letter or notification of collection and already have paid XXXX. Collections verified it with XXXX account that it has a XXXX  balance, that I already paid it. I should have been notified by XXXX with a phone call the least, after paying them over thousands of dollars for service that they received my phone and that this is a final bill. I did not. GC also should have contacted me by letter and I still have not received anything to dispute the claim that I was notified about the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: Innovis
State: GA

Complaint narrative:
Requested and received security freeze by mail. 
Called company on several occasions during " normal business hours '' as presented by them in the papers I received ; last call was on a Thursday at XXXX XXXX. Phone system stated their office was closed. Apparently no way to talk to a real person. 
Since I am a victim of identity fraud, need to know if my freeze is 90-day or 7-year extended. Additionally, need to know if their files reflect the fraud alert reported to all other CRA 's. 
The other agencies included a credit report with my confirmation papers and none was included by Innovis.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
On XXXX/XXXX/XXXX I reviewed my credit report and saw a collection debt for : Diversified Consultants Inc XXXX in the amount of XXXX. I called the number and spoke with a person that told me I had a debt to XXXX XXXX with an account # XXXX. I stated I never had an account with XXXX XXXX. They instructed me to contact the fraud department at XXXX. I called the number and it was XXXX XXXX, I explained that I had never had an account with them and was instructed to call this number to report fraud. After speaking with a lady on the phone and her asking a lot of information I finally realized that she must be talking about another internet company. I told her I could not remember the name but it was XXXX something. I explained that I did live in XXXX and I had a man come out and promise me that I would have great service and it would be just like XXXX with fast internet. I did agree to have it installed, however after XXXX days it stopped working. I called customer service and the only thing they would tell me is I needed to pay more money for better service. I had explained that I was already promised to have good service. I ended up paying more money and then XXXX days later the service went out again. I called back and told them that I was cancelling service due to misrepresentation of the product sold. They told me to send the equipment back. The dates on the account are XXXX/XXXX/XXXX open XXXX/XXXX/XXXX closed. I explained all of this to the lady on the phone. She stated that they do have third party installers, but she was unable to verify if or who installed the service for me. She said that I could file a fraud complaint and that the only way I could get information is through the police department and that I owe XXXX. I told her that I would not pay that money to them and I did not owe XXXX XXXX any money and how could I have a bill in XXXX month for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Performant Financial Corporation
State: SD

Complaint narrative:
PERFORMANT FINANCIAL C Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone XXXX This company attempted to run a hard pull credit report by classifying their inquiry as an " installment loan application " rather than collections activity. This would damage my credit score and add another hard inquiry. I have not been contacted about this account being late, I 've been making regular payments and they are lying and misrepresenting their purpose in order to damage my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Credit card or prepaid card — Store credit 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: NY

Complaint narrative:
I agreed with Homedepot to replace my roof in XXXX XXXX. I applied for their credit card because the interest free offer for 24 months. I charge {$11000.00} for the complete job on the credit card.

The job was not done and the contractor stop responding to my requests to complete the repair. I called all the contacts I have for Homedepot and no one responded so I tried to dispute {$2700.00} of the charge on the credit card but the credit card would not want to initiate the dispute. I came here and file a complaint ( XXXX ). The credit card responded by initiate the dispute. 

The letter stated that it will take 120 days, which has passed for the investigation. As of today, XXXX XXXX, I did not receive a corresponding that the dispute is resolved. I have called them continuously for an answer and they flaunted with me by saying they need three weeks more or three days more to give me a resolution of the dispute. 

Today they said that they sent a letter to me in XXXX ( which I never received otherwise I would not have continuously call ). The person answered the phone at XXXX said XXXX XXXX is not available but someone else said that the dispute was closed in XXXX in favor of Homedepot. 

However, I received a letter dated XXXX XXXX, XXXX stating the dispute is only for {$2000.00}.

Homedepot did not complete the work and a contractor will charge me {$2000.00} to finish the work. Initially {$2700.00} but Homedepot does not want to pay for a damaged Sky window their contractor cemented closed on the roof that got damaged when I try to open it on a nice day.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Recently, we paid off our mortgage with Wells Fargo when we sold our home. We were communicated that our escrow funds were going on the XXXX of XXXX. I have not received the funds to date. When I contacted them, they said they hold the check internally for XXXX business days before mailing and could n't confirm when it was in the mail. This seems like they are holding my money to earn more interest in the meantime. I 'm sure it 's not a lot in terms of my loan, but would add up with many others.

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 2017-10-05 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: CA

Complaint narrative:
I contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Io, Inc.
State: MD

Complaint narrative:
A man called my home phone number and asked to speak to me. I said this is she speaking. He said he was calling from some resolution/recovery company which was not noted on my caller I.D . He asked me for my personal information, my address and birthdate. I told him I do n't give out my personal information. His response was I 'll see you in court. 

My call I.D . showed : XXXX, XXXX XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX @ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted this credit repository through a dispute letter dated XXXX XXXX, XXXX to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.

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 2017-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Reporting Coinbase - sold my digital currency and placed in my EUR wallet. Followed instructions to send XXXX XXXX payment from XXXX bank account to get it verified and allow me to widthdrawnmy money. They state it takes 2 days after payment clears. That was XX/XX/2017 and my account is still not verified and I ca n't get my money out. I have sent 25 emails, raised 2 support tickets and send I direct XXXX   messages - no response. My case numbers are XXXX and XXXX. If you could please assist me in this it would be much appreciated. I feel like my money has been stolen. Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I contacted this credit repository through a dispute letter dated XXXX XXXX, 2017 to dispute the INCORRECT and INACCURATE information being reported in my file. Attached to this complaint is a copy of my second letter I will be sending to this credit repository since Inaccurate and incorrect information are still reporting, from the status, payment history to the account opened and closed date and also the highest balance being reported. All these information are incorrect and inaccurate. This violates the FCRA.

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