vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CA

Complaint narrative:
I received a form XXXX XXXX identified as credit card debt. The dollar amount listed on the form as amount of debt discharged is {$1900.00}. The date of discharge is listed as XX/XX/XXXX. 
However, my last payment on this credit card was XX/XX/XXXX ( per my XXXX credit report ), and I have always lived in California. 
I called the issuer of the XXXX ( Discover Bank ) and requested that the XXXX be corrected ( deleted ). I called Discover Bank today ( XXXX ) at XXXX PST. The phone number that I called was XXXX. I asked for the telephone representatives name twice to be sure of it, and she confirmed that her name was XXXX. After I provided my personal information, XXXX  said that Discover Bank would not correct/delete the XXXX because, although my last payment was made in XXXX, Discover Bank used a 7 year statute of limitations calculation before discharging the debt through the form XXXX. 
I explained to XXXX  that I live in California, which currently has a 4 year statute of limitation to collect on credit card debt. However, XXXX still refused to correct/delete the XXXX because she said that I still owed Discover Card the money in XXXX, before the XXXX was issued. 
Since Discover Card is refusing to correct/delete the XXXX that was issued to me ( and the IRS ), I am asking that you please contact them on my behalf to force them to correct/delete the XXXX so that it is no longer being wrongly reported as XXXX canceled debt income on my ( IRS ) income tax records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my Trans Union report the following number need to be removed ( XXXX ) XXXX ( XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
After a review of my credit report I noticed that Trans Union and XXXX have failed to show a discharge of a public record  Bankruptcy. 

Chapter XXXX status should be discharged as of XX/XX/2018!

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 2018-09-06 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
XX/XX/XXXX tell XX/XX/XXXX My student loan from Navient Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed Navient Department School Loan and I have proof of the email as well, and also a email with a response back from Navient Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX year XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from Navient is showing Delinquent by 120 days. 

I then again had contacted Navient, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX   Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including XXXX, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
Asked ERC to please send me validation of debt. They never sent anything. Today, they contacted my husband, which I don't know how they got his number, but they did not give him any information. Just said it was an important matter. I called ERC back again, and asked them what they needed, and gave them my name. They looked up my name, and said there was nothing in their office, which I already knew. Got another call on my phone from ERC and the lady told me she needed my SSN. I told her NO, and hung up the phone. Still don't know what this is about, nor have I received any paperwork from this company. Will not leave me alone ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX, On XX/XX/2018 all the funds in my Coinbase account was transferred to an address without my consent the total was XXXX.ethereum with a value of XXXX XXXX dollars usd at the time of transfer and XXXX.litecoin with a value of XXXX XXXX XXXX XXXX dollars usd I contact Coinbase, and with no help my email address XXXX, please contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I paid {$560.00} to a XXXX XXXX XXXX company! A company that brought my debt from XXXX XXXX. XXXX XXXX   updated my report to show settled. XXXX XXXX are still not! And, are refusing to update there info. Plz help I'm am trying to improve my credit so I can buy my first home for my family thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: WA

Complaint narrative:
XX/XX/XXXX tell XX/XX/XXXX My student loan from XXXX Department of Education shows DELINQUENT or PAST DUE OF 90- 120 days, which is not correct. 

I had emailed XXXX Department School Loan and I have proof of the email as well, and also a email with a response back from XXXX Dep Education employee named XXXX XXXX and XXXX XXXX, stating that your FORBEARANCE has been APPROVED and my next payment is not tell another 4 months and I am not required to make any payments at this time and it will not affect my credit or interest rate as it is a fixed interest rate. 

Knowing that my foreberrance is approved, as I can not make any payments being in XXXX XXXX and being a XXXX XXXX XXXX XXXX at XXXX XXXX University, XXXX continue not to make any payments. 

I got my credit run by Homeland Security Immigration Services in WA DC for school clinical related reasons. I was then notified that my School Loan from XXXX is showing Delinquent by 120 days. 

I then again had contacted XXXX, sent over all the documents and proof showing that my forbearance was approved since I am in school, and sent a letter explaining what happens and that I should not have any late payments showing on my credit, I was told that it would be taken care of by XXXX XXXX XXXX Employees, I checked and that never happens. 

I then called again around XX/XX/XXXX to follow up with everything and I was told that XXXX XXXX XXXX is working on it. 

I recently checked my credit again, and its still showing 120 days late, and it shows 9 LATE PAYMENTS since their are 9 small subsidized and subsidized loans.

This makes my credit very bad and me personally look like an irresponsible person and also as a XXXX XXXX, which I do not want and I am not either. 

Please get this issue resolved and removed from my all of 3 Credit Reporting company 'S including Experience, XXXX, and XXXX asap, I WOULD LIKE THIS ISSUE RESOLVED.

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 2018-09-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been having issues with unrecognized address on my credit report. I have no ideas who's addresses these are maybe possible they belong to a family member. Please remove the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have promotion inquires on my credit report I would like to OPT-OUT of ALL promotion inquires for credit cards and insurance. On my XXXX XXXX report the following number need to be removed ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. This would be a great help for me if this was done soon.

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 2018-09-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We bought the home in XX/XX/XXXX. We paid the mortgage on time for many years. XXXX XXXX, XXXX became ill and passed away. After he passe away his family XXXX XXXX & her son took over responsibility for the home. They have been robbed by numerous attorneys in their process, document enclosed attorney XXXX XXXX who collected {$4700.00} from XX/XX/XXXX until XX/XX/XXXX. for a loan modification of which he did not get for them to save their home. 

This family has been wrongfully denied a a loan modification. They have tried over and over again to get help. XXXX XXXX is employed with the City of XX/XX/XXXX with an income of over {$100000.00}. per year. Wells Fargo accepted two mortgage payments from this family XX/XX/XXXX and XX/XX/XXXX and the 3rd payment they submitted was returned to them and now they have a sale date of XX/XX/XXXX. 

This family is definatly qualified for a Loan Modification. Wells Fargo re-entry team just played games with them, constantly changing the point of contact, changing the underwriters, as soon as they submitted what they requested they would come up with another list of requests and due back in one day etc. 

Wells Fargo did not review their documents - because they kept asking for the same documents and when the did look at them they said that are too old, and when they asked for a supervisor, they would send them to a voice mail and when they called the point of contact was never available.

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 2018-09-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC
State: VA

Complaint narrative:
This complaint is against a company called -- ERC- ( XXXX XXXX XXXX ). We found out today with a mailing from them after 1 ) We disputed this alleged debt of {$970.00} with them in XXXX 2 ) I also disputed this with 4 prior collection agencies since XXXX and will attach all documents to this dispute. 
ERC - XXXX XXXX XXXX is violating multiple times our request to note in reports to the 3 - Credit Bureaus, including XXXX XXXX, that " This consumer disputes this debt. Our XX/XX/XXXX written notice to BOTH - ERC and XXXX XXXX was our 3rd request to remove the report that we are in collections and note our balance at {$0.00} and/ or note " Consumer disputes debt " in our credit report 3 ) Even after we notified BOTH ERC and XXXX XXXX 3 times in the past year, they refuse to report fair and correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: IA

Complaint narrative:
I was able to pay off my mortgage earlier this year. I'd been saving up to finish with 3 extra large payments of XXXX each. My mortgage belongs to Arvest Mortgage. 

I set up my bank to pay my mortgage company 3 checks of XXXX each, each 2 weeks apart. I bank with XXXX, an online bank. 

My bank had issues and sent 6 checks before I caught it. By their own admission ( in writing ), the " send x checks '' feature was broken. Since the payment was made by wire transfer, my bank says they can't do anything about it. 

Of the last 3 checks, 2 were rejected and credited back to my account by the mortgage company. The last one never was. So now I'm 3k short. 

I have tried contacting the mortgage company only to have the customer service person tell me " they are looking into it '' for the past 3 months. I tried sending an email and still no response ( it's been 1 month ). All calls and emails have been documented on my end. 

I feel stonewalled by both institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I submitted a dispute to Experian about a bankruptcy public record in XX/XX/2018. They verified that a ( Company ) verified the information is accurate. Then, I sent a method of verification per FCRA 611 in XXXX. Experian basically sent the same ( XXXX ) generated response as the first. They are supposed to send me how they verified the info in 14 days. They are now violating the FCRA. They keep saying a Company verified but never say which company. The court has already said in writing they did not communicate with Experian. So, how did they verify??? If they verified with Pacer that is not the furnisher data. The furnisher of the data has to be the court they report on my credit report. Pacer or XXXX XXXX is not the original furnisher of data. I have proof they did not provide the method of verification.

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 2018-09-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I found out on my credit report that pay pal smart reported me for being late on my payment which was {$3.00} dollars and something cents. I did not realize Pay Pal and Pay Pal smart were different company. I explained everything to them payed the bill with interest it came to {$12.00}. They said they would fix my credit reports and m take off the negative mark and put account back in good standards. Well that never happened. I have called them numerous times to fix this issue. It has dramatically affected the three major credit reporting agencies.. I has caused me problems getting a car loan and a new mortgage. I was persisted in talking WITH THEM AND THEY SENT ME A LETTER ON XX/XX/XXXX STATING THEY WERE GOING TO FIX THIS ISSUE WITH ALL REPORTING CREDIT AGENCIES. WELL ITS NOW XX/XX/XXXX AND NOTHING HAS BEEN DONE. THEY ALSO SENT ME A LETTER IN XX/XX/XXXX REPORTING BACK TO THE CREDIT REPORTING COMPANY 'S THAT THERE HAS BEEN NO MORE NEW INFORMATION AND THE REPORT STAYS AS IS. THIS IS WRONG. ITS BEEN ALMOST A FULL YEAR AND I HAVE NOW TOO MANY INQUIRIES THEY HAVE CAUSED ME A LOT OF DAMAGE PAIN AND SUFFERING DUE TO BEING DENIED CAR LOAN AND ETC. I WANT THIS FIXED AND I WANT TO BE AWARDED A SUM OF {$5000.00} FOR MY PAIN AND SUFFERING. 
THANK YOU 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 non-monetary relief
Consumer complaint received 2018-09-06 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 am filing this complaint against EQUIFAX. This is regarding the XXXX   ACCOUNT ref # XXXX. This account was disputed to EQUIFAX on two occasions. This items has been been disputed to other bureaus and and I also filed a complaint against them last XX/XX/XXXX, and there has been no mention of anything about their investigation on this account .They are the only credit reporting agency reporting this account. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
On XX/XX/2018, I sent Ad Astra Recovery Service a second letter regarding them verifying that a debt in the amount of {$330.00} belongs to me. They never validated the debt was mine according to the Fair Debt Collection Practices Act. The are falsely reporting this collection item on my XXXX and XXXX credit report. They only provided a print out of an itemized billing statement that does not have my signature on it. The FTC has issued an opinion letter on this subject and concludes that an itemized printout does not represent verification the debt belongs to me. They are falsifying information on my credit report, in which is illegal practices to me as a consumer. I asked this collection agency for the original contract I physically signed, that supposedly agree to the terms for the account and they never sent these records at all. I demanded proof or validation according to Fair Debt Collection Practice Act, and they never responded to me. This debt is unlawfully being reported on my credit report. I don't owe this debt and it should be deleted from my credit report.

Company response to consumer: Closed with explanation