vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have had Equifax subscription for almost XXXX years. Earlier in XX/XX/2018 I made an attempt to log in and could not. I called the following morning and was informed to call to call back in two hours. I fell asleep and did not call back. During the week of XX/XX/2018 I made another call but could not be directed to a live person. On XX/XX/2018 I made another attempt and was told they were conducting maintenance and call back in two hours. It was that day that I subscribed to XXXX XXXX. On XX/XX/2018 in the afternoon I called once and was told maintenance was being done and to call back in two hours. On the morning ofXX/XX/XXXX I made another call was told they were conducting maintenance and to call back in 24 hours, In anger I hung up the phone. I called CFPB to file a complaint and was directed to file as I am in this message. This is peculiar activity, I am trying to cancel my subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2017 {$280.00} XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Americollect continuously harasses me with collection letters after they accepted to bill and be paid by the US Federal Veterans Medical Program for emergency services I received at a non-VA facility. Per US Federal Law any entity willing and accepting VA Medical payment does so in full and can not bill the veteran any balance or even attempt to contact the veteran and doing so is in violation of the contractual agreement and the law. Not only have I been harassed with phone calls and letters but Americollect refuses to follow the contact and law and has placed numerous balances that I am not to be billed on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I came back to XXXX after being in XXXX ( my country ) for 13 yrs. I couldn't rent a place to live, lease or buy a car. 
I build my credit to good. 
Now I am receiving from my bank B & A that my credit went to fair. 
I believe that I never barowrd or own any body any money. 
I need to know companies, institutions or individuals who think I owe them some money. Unless someone else 's is using my name. 
My credit is important to me, please help. 
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 2018-06-27 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: CT

Complaint narrative:
My name is XXXX XXXX XXXX was a victim of your inquiry issue. customer service would not help and take care of the negative inquiries reporting to my credit report thats not mine. All inquiries shall be removed or else I will proceed in higher action. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
I have a loan with FTB/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FTB/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NC

Complaint narrative:
Ive contacted the collection agency made them aware the cable account was open up without my authorization. Someone been using my social security for years that including tax fraud. This bill does not belongs to me im asking to be removed off my profile

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 2018-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There were 2 reports of non-payment submitted to Trans Union from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. OnXX/XX/XXXXthe {$170.00} debt report was removed from Trans Union but the {$200.00} debt remained as an open unpaid debt. I called both XXXX XXXX Trans Union several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from Trans Union which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.

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 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
***Re-submitting my complaint with additional information*** I have applied for an account. The system notified me after providing the requested verification of address that it was not received. I then called to find out why. The first agent advised that the automated system rejected my bank statement. When I asked why, she advised she did not know. She then transferred me to XXXX, a supervisor. I asked him the same question as I did the agent and he said because thats what security is saying. When presweed he continued to say because thats what security said. I advise XXXX that it is my right to know why this is being rejected as my identity has been stolen twice now and if there is an issue I need to know. he then continued with, because thats what security says and we dont have to disclose this to you. Then when I asked why i wasnot allowed to lnow he proceeded to tell me because of security. I then asked him if my bank statement was rejected by the automated system or by a real person and he proceeded to tell me he didn have to tell me this. I also asked XXXX if I submitted another document off the listed since it was for address verification and I redacted other personal information, he advised me that it would also be rejected but refused to tell me why since this is only for address verification and not identity verifcation. 

XXXX also refused to provide me with his ID number so a complaint could be made as well. 

My account has been opened since the end of XXXX, which is the same time that XXXX XXXX received my complaint. I responded back stating the only reason that my account was all of a sudden opened and approved was because of my compliant. I received an email this morning, XX/XX/2018 advising my application was denied even though my account has been opened about a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
My issue is with XXXX. I set up an account and I want to cancel it and get my money refunded. XXXX said there were issues with my bank account when there were not. I tried entering new banking information and it would not take. Since then I changed my phone number and have been unable to log into my account because of their verification process. Every time I have called XXXX to complain they said they were aware of it and wait for my turn. I will know when its my turn when I get an email from XXXX telling me its my turn. Never got this email and it has been months. Every time I call I am told this same thing. It was only {$32.00} but now its the principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: CO

Complaint narrative:
Experian is refusing to remove an collections account on my credit report. The account was originated prior to XX/XX/2012, but the date reported on the credit report is XX/XX/2012. There have been XXXX payments made on the account with XXXX XXXX XXXX That means the debt is out of Colorado XXXX , is well over the 7 year limit for any credit reporting. This account has been removed from all other credit reporting agencies. Also per my dispute that I filed with CFPB # XXXX XXXX and XXXX has agreed to remove the the account with XXXX XXXX. Experian has been notified and they will not remove this account either. They are not following industry standards, and they are causing detriment to my ability to obtain future credit. Both of these accounts need to be removed from my credit reporting as they do not meet industry or legal standards.

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 2018-06-27 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: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
There were 2 reports of non-payment submitted to XXXX XXXX from XXXX, both submitted at same time ( same date ) in the amounts of {$170.00} & {$200.00}. I paid both amounts same time by sending check for {$370.00} to XXXX. On XX/XX/2018 the {$170.00} debt report was removed from XXXX XXXX but the {$200.00} debt remained as an open unpaid debt. I called both XXXX & XXXX XXXX several times & they both keep sending me back & forth blaming each other for the error of the report not getting removed. Please help me to get this {$200.00} debt from XXXX removed from XXXX XXXX which will make a difference from my credit score being " good '' to " excellent ". Thank you for your help.

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 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: NC

Complaint narrative:
I received a notification on XX/XX/XXXX of funds deposited into a bank account that I had that was charged off in XX/XX/XXXX. This was suspicious obviously and when tracking the funds it appears they came from a company online I had never even heard of. I did apply for this loan, I did not authorize the loan and furthermore it is proven by the fact the lender did not have my correct address, bank account, etc. For example, why would I get a personal loan online and then have it deposited into a bank account that was charged off 4 years ago when I have a perfectly good current bank account I could use. Total scam and I don't want this fraudulent loan to have an impact on my credit or bank activity. I have filed a complaint against the bank as well as I did an ACH dispute of funds form and the funds haven't been distributed back to where they came from. No one should be able to take a loan out with the ease this was done as it is totally fraudulent.

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 2018-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I called XXXX XXXX XX/XX/2018 and spoke to a rep about inquires I did not place all she advise was soliciting a product not listening to my issues which is a result of fraud all she can say is contact the company who place them. Transunion had a breach for the public information we should not have to suffer for their lack in protecting consumers information. I called a 2nd time the same day for help the rep advise to send a letter to all creditor I advise not listing to what Im saying at all

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 2018-06-27 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: MD

Complaint narrative:
I disputed information on my credit file and they decreased my score my XXXX points. That's impossible because i paid down on everything by 30 %. Score should be higher not lower.

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 2018-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Wilson Law. LLC
State: MO

Complaint narrative:
XX/XX/XXXX received documents in mail about court approved payments to be taken out without myself being served to go to court didnt know anything about it until payments was taken out before i received the letter in mail, amount that was owed {$5500.00} and they received that full amount on XX/XX/XXXX instead they continue to go in my checks and the amount they say i owe no is more then the balance that was owed because the car was sold for the amount of {$6500.00} and the total amount of the car was {$10000.00} as of today they still garnishing my check for {$9500.00} i have documents that say different. The actual company said they received their money years ago and that they dont understand why money is still being taken out from my checks and that i should call the Wilson Lawyer company and i havent received a call back still

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 2018-06-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Per the agreement with Bank of America through a CFPB complaint XX/XX/2017 ), they have agreed to contact the appropriate consumer reporting agencies to report that the account was paid in full with a XXXX balance and that there was no prior history of delinquency. This was fulfilled with XXXX and XXXX, but still remains on the XXXX credit report.

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 2018-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
Wired money to our son who was on a summer student program in XXXX. Correctly completed the Western Union forms and they took the fees for the transfer. When my son showed up to pick up the money, Western Union would not release the funds as they claimed his name was incorrect. His name was correct ( and matched his passport ) - apparently the root problem was they wanted a middle name on the Western Union form, hence they required information at the pick up that was not required when they took the wire transfer ( and collected fees ). As my son was stranded, it took multiple calls to Western Union to revolve. They could have fixed their mistake, several different ways, but instead refused to correct the issue until we went through multiple steps, including a call back from a manger that never happened. I want to emphasis that we were not trying to change / modify the transaction, but rather wanted them to find a way to resolve their internal discrepancy. We tried two follow up phone calls with Western Union to discuss the problems and asked for a refund - all they could do was direct me to their website. If compounded the problem that their customer service personnel appeared to be poorly trained, lacked English language skills, and did not seem have any tools at their disposal to address our issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: IN

Complaint narrative:
Per the agreement with XXXX XXXX XXXX through a CFPB complaint XX/XX/2017 ), they have agreed to contact the appropriate consumer reporting agencies to report that the account was paid in full with a XXXX balance and that there was no prior history of delinquency. This was fulfilled with XXXX and XXXX, but still remains on the Experian credit report.

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 2018-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Service Finance Holdings, LLC
State: VA

Complaint narrative:
I have a loan with service finance company. The loan interest rate is for around 9 % but my payments are going mostly to interest at over 50 %. On some cases less than a dollar is going to the principal on a payment. I have called them several times about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: MD

Complaint narrative:
I disputed information on my credit file and they decreased my score my 16 points. That's impossible because i paid down on everything by 30 %. Score should be higher not lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: SC

Complaint narrative:
This company Midwest Recovery appeared on all three of my credit reports. I have never heard of XXXX XXXX they have them listed as the original creditor. I have written the company to validate this collection and have not received any response. This is not my account. I have never applied for a payday loan. I would like this removed from all 3 credit reports. The amount {$600.00}. They put this account on my credit on XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: GREAT LAKES

Complaint narrative:
Before entering the military, I, XXXX XXXX XXXX, attended XXXX XXXX XXXX in XXXX XXXX, Texas for 1-year. During that year I took out federal/student loan to pay for books and classes. After this school ended, prior to enlisting, me and my mother XXXX XXXX XXXX had called the company by the name of Great Lakes to set up a loan forgiveness program. We accomplished the plan of deferment of 1-year/ 12 months. After that period, we were to begin payments. After the year passed, no notifications were made of the amount that should be taken out. It wasn't until they threaten to garnish my wages and send the amounts into collection without my awareness. I wasn't able to contact the company via email without response. Neither could I call by cell phone because I have an overseas plan. After speaking with a legal representative, I was encouraged to send this email, and see how I could paid my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation