vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
this is my second issue with XXXX, the first one has not been resolved either. XXXX claims they did a review of my escrow account in XXXX and sent me a check for {$2100.00} which I never got and can not get them to respond over the phone. the company is clueless and clearly does not hire or train anybody that can handle this. So for the record this company has stolen from me over {$3500.00} in 4 months and they do not respond. At this point that amount is criminal in many States and would be if I owed it to them? Why is this company allowed to offer consumer products?

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Conn's, Inc.
State: NV

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I don't recognize this inquiries. Never applied for this companies.

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 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: CA

Complaint narrative:
Credit Protection Association, a debt collector, has filed a negative credit item with XXXX. I have disputed the item with XXXX. Credit Protection Association has certified to XXXX that the debt is correct. However the debt is related to a XXXX XXXX account that was opened in XXXX of 2019. I have not ever opened a XXXX XXXX account.

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I applied for this card in XXXX of this year because of the {$150.00} cashback or statement credit after spending {$500.00} within the first 3 months of opening the card. I call Chase today XXXX XX/XX/19 XXXX to inquire about my cash back. But they completely denied this bonus reward for my case at this excuse that my reward will be 1.5 % cashback after spending XXXX XXXX I can clearly remember that my reward was XXXX $ after spending XXXX $ within the first three months ( it's still on their website XXXX and it was the only reason that I accept my friend 's referral to apply for this credit card! 

I highly appreciate if you could help me solve this issue, Regards,  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.

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 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
So I used a website called Coinbase.com that is revolved around using money to invest in cryptocurrency. I invested about {$60.00} into Bitcoin. I stopped investing for a few weeks, but when I logged back on, it said that my account was frozen. When I got my account back, none of my money was in my portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a collection? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-29 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO XXXX XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2019-10-29 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED

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 2019-10-29 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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. PLEASE HAVE THOSE ACCOUNTS REMOVED OFF MY CREDIT FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY FILE. THOSE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LIKE TO HAVE THEM REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
We are a small business we have a business checking account with Bank of America with have 4 debit cards link to our business account, one if the debit card ending in XXXX was used to make a purchase of {$1400.00} with a company in another state this transaction is a fraud, we never made the purchase or received any goods from that company. When we first contacted the bank the transaction was still processing mode we advise our bank it was not us. The fund were still in out account and we told them to not honor the sale. They said the will open a case up to this date we still have not received credit for this amount and the bank closed the case indicating that it was authorized. 
We call back to the bank to once again open the case cause we never authorized or even have any contact with such company. They re-open the case again and few weeks later they closed it again. We call them to elaborate how they determined it was authorized we ask to know where this company supposedly send such purchase items or who they said authorized sell or at least to show us any proof of the sales. They refuse. 
Up to this date we are still waiting for an investigation report of this claim. We even try calling the company that shows In the statement and they said they have no record of such purchase. We have this debit card in our possession it has never left out possession.it has never been reported stolen or lost.

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 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XX/XX/XXXX, I went to see my XXXX XXXX, XXXX XXXX, a XXXX XXXX. It was not billed that way. It came through as XXXX XXXX, who is not my doctor. While this has been explained to me as merely a " coding '' anomaly, I do not pay people I do not know. Eventually, this item was removed from my statement. I believed in error, that they realized their mistake and removed it. This was not the case. Instead, it was handed over to Credit Control Corp here in XXXX XXXX, VA. They claim they mailed me a letter in a plain white envelope to notify my of their intent to collect. I did not receive this letter. I doubt it exists. I only found out about this collection when it appeared on my credit. I called, and told them I don't have a problem paying the bill if it's legitimate, but won't pay it if it's not. I asked if they would remove it if it were paid, they said no. I have since called XXXX and figured out this was a bill for me, even though none of the presented facts line up. I'm willing to pay, in fact, I have dealt with Credit Control in the past. Despite my efforts, some bills will slip by me. There were a few years where I was not well and had many, many bills. 

The heart of my complaint is threefold. 
First, failure to notify. I had no ability to dispute a debt. 
Second, I make regular payments to XXXX and my payments say XXXX XXXX XXXX on them. These payments were set-up for previous debts, but I would think that payment on an open account would prevent collection. 
Third, they are yet to provide me with validity of the debt or even offer it. The first person I talked with stated that previous statements from XXXX would be my notification. 

I only seek to have this removed from my credit. It appears, now that I have researched it, that this is my debt. I'll pay it. 

The timeline so far is ... 
Service on XX/XX/XXXX Disappeared from Statement in XXXX Collection noted on my account XX/XX/XXXX. 
Called Credit Control XX/XX/XXXX. 
Called Credit Control XX/XX/XXXX. 
Called XXXX/XXXX XXXX XX/XX/XXXX. 
Wrote this complaint XX/XX/XXXX. 

Please help. It's ridiculous to go from XXXX to collection without so much as a conversation. 

Thank you, XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I tried to use the transunion website to freeze my credit but was unable to log into the website. I called 3 times to Call toll-free ( XXXX ) XXXX in order to reset my password. Each time I was told to wait for 5-10 minutes to receive my email to reset my password. The second and third time I confirmed the spelling with the rep and it was confirmed correct. The last one could do nothing more than the first two. She asked me to call XXXX but that number was also useless. I would like my password so that I can submit a credit freeze on my file. Thanks

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 2019-10-29 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
XXXX on the date of XX/XX/2018 for the amount of {$470.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted equifax in reference to accounts that have been lingering on my credit report for more than 10yrs a lady inforrmed me after 10yrs they would no longer show on my report not one of them is deliquent or have derogatory remarks so why does my credit report show 61 accounts with only 18 open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
XXXX on the date of XX/XX/2018 for the amount of {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
I recently applied for a Discover IT Miles credit card, I was approved for the card, received the card and when I tried to activate the card I received a call from Discover asking me if I can send them a 4506-t form. I sent them the form and shortly after they received the form from the IRS they closed me account. They closed my account based on past information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am a real estate attorney in Massachusetts. JP Morgan Chase provided me with an incorrect mortgage payoff statement. This has resulted in financial and legal harm to both my client and myself. The payoff statement was issued XX/XX/2019. The payoff number was good through XX/XX/2019. The bank received payment in full ( {$76000.00} ) on XX/XX/2019. I received a call from XXXX XXXX XXXX from the bank 's XXXX XXXX Department on XX/XX/2019. She left a message saying that the payoff statement was incorrect because the bank made a homeowners insurance payment on XX/XX/XXXX and there were insufficient funds in the borrower 's escrow account. XXXX XXXX is now demanding payment of an additional {$460.00} by XX/XX/XXXX or interest will begin to accrue on the loan and the mortgage discharge will not be processed. I am now forced to pay for the bank 's negligence and my client 's ownership of the property is being threatened by a loan that was paid in full on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Shut down my Venmo account on XX/XX/19 with no explanation and said they are NOT giving me my money in my account back. I have emailed them back and forth and they will not refund me my {$1200.00} and no explanation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Have business loan with Bank of America Practice Solution from XXXX. Recently got email from XXXX XXXX ( who did not know the practice name and his own phone number ), that I will have a balloon payment, because it was missing payments for XXXX!!!, Bank fail to sent statements on my accounts, Practice solution destroyed invoices for XXXX, sent fake yearly statements plus disclosed info for other health practices attached to my business, and they attorney sent harassing messages to destroy evidence. Do not recommend deal with this bank, full of criminals.

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 2019-10-29 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: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
I found this loan installment on my credit report that I do not recognize of the amount of {$3400.00} from a company called Acima I contacted the company and they could not recognize me and just told me that they going to go through investegation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I was in the XXXX for a week my second year of college in XX/XX/2016. When I got out I never heard anything for a year when I got a phone call from a debt collector. I was asked to pay my outstanding balance around {$500.00}. I paid immediately and have since found that I have 9 derogatory marks on my credit report. They were all from one stay in the hospital and were paid as soon as I was notified. They may have notified my parents, but that was never brought to my attention because of our relationship.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: NC

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation