vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-21 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: FL

Complaint narrative:
XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.

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 2018-01-21 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: FL

Complaint narrative:
XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XX/XX/XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: FL

Complaint narrative:
XXXX is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that XXXX XXXX removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.

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 2018-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
2 certified letters were sent requesting that all accounts that are asking me to pay be VALIDATED not a verification but VALIDATED & send proof of certified copies of the TRUE BILL & Accounting of the accts.to prove this debt is owed to remove fraudulent inquiries, update address, update phone numbers, remove personal statements from credit files and update all information I requested remove all bad address UCC 1-308 WITHOUT PREJUDICE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Capio Partners, LLC
State: NV

Complaint narrative:
On XX/XX/XXXX, I sent 2 certified letters to Capio Partners asking them for debt validation of the two accounts as I never received any bills prior to both debts hitting my credit report, one is in the sum of {$990.00} and the other is in the sum of {$590.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained for the medical service provider. 

The documentation provided included 7 full pages, detailing all of the treatment/procedures done as well as the cost associated with the procedures and treatments given at the hospital. ( XXXX XXXX XXXX XXXX XXXX XXXX ) They have violated the regulations of the HIPAA Act of XXXX. 

I never signed a HIPAA form authorizing Capio Partners to have access to my patient information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
This is an UPDATED complaint submission to my current CFPB case under complaint ID XXXX. For several months Chase has been incapable of drafting my monthly payment for my car for the last few months from both my bank AND credit union. Three submissions to the CFPB now and they give false and/or contradictory information in each response. So I contacted Chase to try to find out how I 'm supposed to make my payments since the only options they have given is open a Chase bank account or XXXX XXXX. Neither of these are acceptable when I have to bank accounts that EVERY other bill I pay has no problem drafting from. When I contacted Chase it was made clear what the problem is. THEY STATE MY ACCOUNT IS PAID IN FULL. They even sent me a letter to confirm this. SOOO imagine my shock when some tow truck driving fool tries to sneak up to my windows late in the evening shining his flashlight around SCARING my kids. Well he was gone quickly once discovered. I do n't know what three ring circus Chase has going but this is CLEARLY a legal issue. They are misrepresenting BIG TIME. Chase needs to be honest NOW!!! My letter dated XX/XX/18 says paid off. Now I have been ACTIVELY trying to get an answer and if Chase takes my car after first refusing my payment attempts and second sending letter of paid in full. Then I guess Chase can pay my attorney fees when i have to take this higher I 'm providing the letter to you the CFPB AND ON MY SOCIAL MEDIA ACCOUNTS ALONG WITH THE PICTURES I TOOK OF THEIR TROLLING TOW TRUCK DRIVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Date : XX/XX/XXXX Amount {$200.00}

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 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: LA

Complaint narrative:
Please assist, this has really been a problem that has been out of hand and I have also went through you in XX/XX/XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to XXXX XXXX XXXX XXXX and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on omy credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. 
I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!

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 2018-01-21 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
1. I disputed a bill for {$4900.00} in XXXX, and the merchant provided Amex with a fake sales invoice, falsely claiming I signed the sales receipt and picked up the merchandise from the store. I never went to the store, never signed any sales receipt.

2. Amex is asking me to pay the bill, while a collection company is also seeking to collect the same payment from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I purchased my house on XXXX 2016, and when i purchased the house i was given an impression that i have to stay with my home insurance company or there will be a problem with my mortgage approval, but the insurance company was asking me to register my vehicle as well or my insurance will go way too high. i forced to get the home insurance through my private insurance company since it was affordable and i was very clear to the mortgage provider that my insurance should not be paid through my escrow but after a year i found that they have been paying home insurance through my escrow, while i was paying my private insurance separately. Since i found about it my loan care is ignoring my emails and i am not getting any answers from them.

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 2018-01-21 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: LA

Complaint narrative:
Dear Transunion : This letter is a formal request to remove unauthorized inquiries from my credit report. I 've listed the unauthorized inquiries below. Also a result of the current breach, I believe my information has been compromised. Please remove the following inquiries from my credit report. Creditor : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter. In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. If your investigation determines the inquiry was authorized, I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation. Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX XXXX XXXX XXXX. Sincerely,

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 2018-01-21 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried calling spoke to several reps, XX/XX/XXXX, XXXX certified mail and get no response other then a standard auto reply! It wasnt a SIGNATURE showing I requested the inquiries on my TransUnion report. Please remove the following inquiries, XXXX XXXX reported 3 times XXXX of XXXX XXXX XXXX reported 3 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported 5 times Am rent reported 2 times XXXX XXXX XXXX XXXX XXXX reported 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX and XXXX  have deleted ALL inquires!. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this nal goodwill gesture to allow you to correct your erroneous reporting.

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 2018-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Date : XX/XX/XXXX orignal Loan XXXX Balance:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
well, i found out that in XXXX or XXXX i think i for got to pay my freedom card from chase, ones i paid the whole thing. they told me that i could n't get my freedom card back, because i missed a payment. when i had the freedom card, i was paying everything and on time. one payment that i have n't paid one i paid it in full. they couldnt give me my freedom card. i would want to know if i could get my freedom card back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: Credit Bureau Financial Services, Inc.
State: NY

Complaint narrative:
I am having a problem with my credit score due to the fact that I have old/negative XXXX  XXXX XXXX XXXX closed accounts on my credit report from XX/XX/XXXX - XX/XX/XXXX. I currently have an open account which I 've been paying on time since XX/XX/XXXX. I was told and understand these negative accounts which are closed are really hurting my credit score and I am asking if they can please be removed. If one looks at my payment history, all my payment have been on time and I am trying to rebuild my credit.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XX/XX/2017, I wired {$10000.00} to Coinbase from my XXXX XXXX XXXX business account. A couple of days later, I received an email from Coinbase saying my fund was reversed due to name mismatch. Now It has been about 40 days, I never received my money back. I tried to contact Coinbase thru phone call and email, but NEVER got replied. I checked on XXXX and found hundreds of people having the exact same issue just like me. 
I believe it is absolutely illegal for a company holding hundreds of thousands customers ' money for such long time. And Coinbase they never reply your inquiries. 
That 's why I 'm filing a claim here trying to get help. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EdFinancial Services
State: TX

Complaint narrative:
Date : XX/XX/XXXX Balance XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: Danco Financial Services, LLC
State: GA

Complaint narrative:
Danco staying I owe almost {$5000.00} and also have a repo on my credit which is not suppose to be there

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Credit Karma, LLC
State: IL

Complaint narrative:
I filled my home address, date of birth and social security and Credit Karma indicated all the information that was given was incorrect. I would like to view My credit Report along with the information provided it, such as the home address, date of birth and the correct social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello im filing a complaint because i pulled up my credit report on equifax i see a account that is open with XXXX XXXX XXXX account number ending XXXX and this account was closed XX/XX/XXXX of last year and its paid in full on XX/XX/XXXX and its still shows that i owe them XXXX dollars and its hasnt been updated by equifax. And my credit score was dropped to XXXX due to 14 inquires that wasnt mine and one address that didnt belong to me in cypress texas XXXX XXXX XXXX  Balance XXXX this account is closed not open and its paid in full im asking equifax to send me a updated credit report and score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Date : XX/XX/ 2007 Balance :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 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
fraudulent account / too many inquiries.

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 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
Please assist, this has really been a problem that has been out of hand and I have also went through you in XXXX complaint # XXXX to get some resolve from this account and have been very unsuccessful. Where do I turn when I have tried all that I can and no resolve. My rights have been violated extremely with no updates, dispute responses account from XXXX just constantly keeps being re-aged and resold to several debt collectors and no updates have been placed on my account from XXXX or credit bureaus advising of my disputes or resolutions. No documentation what so ever has been furnished with signed contracts or dates from me to XXXX. Now, the debt that isnt mine has been sold to Diversified Consultants ( mispelled on XXXX ) and this game should not be allowed from them. I am contacting the BBB and citing several FCRA violations on my behalf. 30 days have passed 30 times and the previous inquiry I sent through you all is still showing OPEN, how can this be so? How can these harmful impacts on my credit not matter to anyone. Why is n't anyone forcing them to furnish information and or remove for good and never place back on my report ever again. I am hoping you can assist me in making this final goodwill gesture to allow correction of erroneous reporting, and I am maintaining a careful record of my communications with them for the purpose of filing a complaint with the Attorney Generals office, should their non-compliance continue. I further remind them that, as in XXXX v. XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act In LAST HOPES, please have this handled!

Company response to consumer: Closed with non-monetary relief