vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-30 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: Medical Data Systems, Inc.
State: VA

Complaint narrative:
In XXXX XXXX, I received a phone call from XXXX XXXX XXXX, the collections agency, saying a small medical bill had been sent to them after the medical provider had not received payment. Come to find out, the medical provider had mailed it to the incorrect address and did not attempt to contact me when payment was not received before turning it over to a collections agency. I was in college at the time and thought my parents had taken care of the bill. I found out in XXXX XXXX that the bill had still not been paid, upon which I paid it immediately. XXXX years later, my husband and I are purchasing our first home and are applying for a mortgage. Our mortgage broker notified me that my XXXX XXXX was being severely impacted by the collections claim still appearing on my report. Although the balance shows {$0.00}, XXXX XXXX XXXX is still reporting this to Equifax, which is the score the mortgage broker uses to pull credit. MDS is not reporting it to the other credit bureaus and my scores are above XXXX with them, while my Equifax score is XXXX. Because my credit is so high without the collections claim, I called MDS and spoke to XXXX different people, all of who refused to remove the claim. I also left a voicemail with the head of XXXX who never returned my call. I also called Equifax who told me they have no control over what is reported to them and can not remove it. Obviously, my husband and I are now receiving a worse interest rate on our mortgage because this claim is still being reported XXXX years later.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: TX

Complaint narrative:
I am not familiar with and have no recollection of requesting Credit from the following agencies and the following dates as reported by TRANSUNION, EXPERIAN and EQUIFAX. I have reached out to customer service at TRANSUNION, EXPERIAN and EQUIFAX and they would offer no assistance in taking care of removing these negative inquiries reporting to my credit report. 

TRANSUNION - XXXX BANK DE - XXXX XXXX XXXX XXXX BRKS - RDP - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX SYNCB/WALMART - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX EXPERIAN - XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CARD - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX & XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX EQUIFAX XXXX - XXXX XXXX XXXX CREDIT PLUS - XXXX XXXX XXXX WORLD FINANCE - XXXX XXXX XXXX SUN LOAN COMPANY - XXXX XXXX XXXX XXXX MAIN FINANCIAL - 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 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have inquired with Wells Fargo several times on their XXXX disclosure. On XXXX XXXX, XXXX I rec 'd my yearly statement which showed a shortage of {$30.00}. I proceeded to pay this amount and sent in an extra {$45.00} to be applied to my Escrow. 
In XXXX. I inquired with Wells Fargo for an adjustment to my monthly payment amount based on the changing of insurance companies. I was told by a case worker XXXX XXXX who was quite rude that my Escrow " showed a shortage ''. I asked how could this be since I did pay off their statement. She said she " would research the issue ''. XXXX XXXX took almost a month to respond of which she stated in a letter that Wells Fargo handled my account " properly '' in a letter dated XXXX. 
I called XXXX XXXX once again on XXXX who put me on hold for at least XXXX minutes, who then sent me to her " team lead ''. I asked again HOW could my Escrow show a shortage when I rec 'd a disclosure on XXXX showing the amount of {$30.00}. The team lead told me to " ask my bankruptcy attorney '', of which I do not have! I was XXXX in XXXX, the case closed in XXXX. I asked why and how should I ask an attorney which is not under my employ on my Escrow, she had no answer. I furthermore inquired WHEN did they disclose ever that my XXXX showed any shortage other than the XXXX letter. The team lead had NO answer. I further asked how they could violate the terms of my bankruptcy and collect a debt of which I never knew existed. She again had NO answer! They simply desire to discriminate against me based on a previous bankruptcy of which Wells Fargo was not effected in any way! I believe the team lead thought I was still in bankruptcy as well, this is pure negligence, stupidity, and idiocy. 
Furthermore, they have taken not days but MONTHS now to respond accordingly, and when they do respond it is same ignorance of which I have inquire once again why they did not address my questions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-30 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: GA

Complaint narrative:
I have reached out to the credit Bureaus over and over pertaining to a XXXX account from XXXX XXXX The bureau had once Removed this account from my file and has placed it back on my report without a XXXX to 7 days Reinsertion notice. They dropped the balance from XXXX to XXXX and sold to a different agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Please can you help me? 

XXXX have send me an email that they will send my transferred XXXX euro back to my bankaccount because they could not verify the name of my bank. XXXX Very strange because I send more than ones money from my bank account to XXXX. XXXX promised me in an email from XXXX XXXX XXXX to send the money back. But XXXX months later and lot of emails nothing send back or put it correctly in my Coinbase EUR wallet. 

I am desperate and I do n't know what to do. 

My name is XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX XXXX, XXXX cbna/thd company made a hard inquiry to my account. this was unsolicited and not authorized

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I used a CardTronics ATM XXXX XXXX TG XXXX ) at the Target store located at XXXX XXXX XXXX XXXX, XXXX PA XXXX on XXXX XXXX, XXXX at approximately XXXX. I attempted to withdrawal {$300.00} from my Capital One checking account. Mid-transaction, the ATM machine re-started itself XXXX pictures attached XXXX. As the re-start process took place, which lasted upwards of XXXX minutes, I logged into my checking account on my phone because I was n't sure what happened. My checking account showed a temporary transaction of a withdrawal of {$300.00}. I immediately asked a Target employee for help, and was informed it was n't their machine so they ca n't do anything. They suggested I call the number on the ATM, so I then contacted CardTronics and spoke to a representative, who informed me they could see the transaction and the error. They told me to speak to my bank, who would initiate the proper procedure to reverse the transaction. I called Capital One and they took down my information, including the XXXX phone number and terminal number. I was informed by Capital One that they would investigate the matter and reach out to me if they had any additional questions. In the meantime, my account was given a temporary credit of {$300.00} and a follow up letter stating the same arrived at my house. On Friday XXXX XXXX I received a letter from Capital One ( dated XXXX XXXX ) that they would be denying my claim because " we checked our ATM records and they do n't show an error for this amount. '' I never received the cash from the ATM, and I would imagine a transaction log within the specific ATM machine would show this. The cash remaining in the machine when it was restocked would not have corresponded with the transaction ledger.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Called Wells Fargo Bank to get a mortgage payoff amount and the address to send the funds to. Bank provided an address in XXXX XXXX. Sent a cashiers check by certified mail XXXX to make the XXXX XXXX deadline. Called on Monday XXXX to check on the process. Wells Fargo indicated that the address provided was incorrect and it was our problem to sort it out. They deliberately provided the wrong address to delay the payment and garner more fees. Wells Fargo has been difficult about the pay off from the beginning and just looking to rack up fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was cheated out of my home while I was in bankruptcy. Wells Fargo Home Mortgage defrauded and bullied me in to foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
Contacted me XXXX/XXXX/XXXX from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by wells fargo, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In XXXX 2017 I tried to contact Capital One Bank to determine the balance due on my credit card. I tried to contact them by phone & online. I spent many hours on hold and received no response to my email. I became concerned because I feared If I ever lost the card I would not be able to contact them. After 2 days I finally reached an operator. 
I told her I wanted to close the acct. She informed me that until the full balance was paid the acct. I agreed to pay full amount of approximately {$700.00}. I mailed a check on XXXX XXXX,2017 I sent the full amount due. The next month I received a bill for the balance plus interest. I called my Bank & was told check had not cleared. I called Capital 1 & told them they should cash my check. They denied having received the check. I asked to because I wanted to report the check stolen The Operator refused to connect me. 
But they continue to send me offers of higher credit lines and " Platinum Credit Cards.

Cleary they are keeping the account open because they want my business. I filed a prior complaint with your agency but I was very disappointed because all they did was call Capital One & ask them what the problem was. There response was She has n't paid. Your response was you have to pay them. 

I am willing to put a stop on my initial check if Capital One removes the interest charges and bills me for the original balance & provides me the name of a specific person to send the check to via USPS Return Signature requested

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to Ally my difficulties. In XX/XX/XXXX I explained to Ally that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, Ally repossessed my vehicle on XX/XX/XXXX. After a few months, Ally contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the Ally account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX XXXX XXXX called, stating they had the Ally account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for Ally. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with Ally had been dismissed and closed. This is when the payments stopped. I noticed Ally on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows Ally balance due $ 12000+. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. Ally 's collection attorney 's have lied to me, forged my signature, and Ally is a huge part of this. XXXX XXXX XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has Ally contacted me with an answer. I searched the Better Business Bureau and found similar issues with Ally Financial as well as XXXX XXXX XXXX. I also searched your consumer search and found that Ally was sued for discrimination against XXXX XXXX, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing Ally, XXXX XXXX XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wrote a dispute letter to the third party company XXXX and to Transunion regarding this suppose debt however Transunion wrote me back stating that the updated my credit file. Transunion did not send me any documents stating that they verified this supposed debt with this third party company. How can they not investigate this suppose debt with this company and kept it on my credit file?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to Experian Security Freeze requesting a freeze be placed on any file concerning my wife and me. I included all information Experian requested except the SSNs of my wife and me. I was able to effectuate a freeze with XXXX and XXXX without disclosing either SSN of my wife or me. 

Experian had steadfastly refused to grant the freeze by using alternative questioning in lieu of providing the above mentioned SSNs. Ironically their last mailing to me contained the last 4 digits of my SSN. I  need them to freeze any creditfiles they have on my wife XXXX and me. My last letter to Experian was dated XX/XX/XXXX. Their reply was dated XX/XX/XXXX. I spoke today with someone at Experian but no progress was made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp
State: GA

Complaint narrative:
In XX/XX/XXXX, I was contacted by XXXX XXXX, XXXX to consolidate my student loans and lower my monthly payments. They assured me they were a legitimate company representing students and acted as a liaison for the Federal Student Aid. Once agreed to their services, XXXX XXXX prepared a contract and a fee of {$1300.00}. Because I could not afford to make this payment upfront, they enrolled me into a payment plan with Equitable Acceptance Corporation of {$39.00} monthly. I began making payments on XX/XX/XXXX of a monthly fee of XXXX that would go towards maintaining my student loan consolidation and their services. In addition to payments for Equitable Acceptance, I also was paying a direct amount of $ XXXX/month towards my federal student aid account. I have been paying Equitable Acceptance since XX/XX/XXXX. 

As of recent,XX/XX/XXXX, it was time to renew my information based on the income-driven repayment plan and to keep my loan amount affordable. As I spoke with a representative of Federal Student Aid, they informed me that the third party ( XXXX XXXX and Equitable Acceptance ) were not legal practices. They informed me to submit a claim onto The CFPB website. In addition, I was informed to cease any authorized automatic debit payments from my account. I contacted my bank immediately to stop payments. 

I have supporting documents under attached files from XXXX XXXX, XXXX and Equitable Acceptance. 

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 2017-10-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
In XX/XX/XXXX I went to ER. The ER visit became an issue with XXXX XXXX XXXX as they are not honoring their contract. I tried to work this out with Insurance Carrier, and XXXX Hospital for 8 months now. 
I filed an appeal with my Insurance carrier. The Hospital apparently was not told to put my account on hold while the Insurance carrier reviewed the case and my case ended up in collections. XXXX XXXX XXXX is the collections agency calling  me. They ask for me and then demand personal info from me like date of birth, social security info, address to gain access to why they called. I was outraged and explained I would only give my birth date as I do n't know who they are. Upon giving my birthdate they tell me they are a collections company. 
I did not know my case went to collections initially and had no idea who they were. I called the hospital and they confirmed the case went to collections. The hospital also told me that my insurance carrier continues to not pay their bills or honor their contracts and to contact XXXX XXXX the XXXX XXXX and fire safety commissioner and I have and the case is being reviewed. 
When XXXX XXXX XXXX called I asked multiple times for them to send me a bill. They have not and told me they will not. I initially asked them about payback amounts and they refuse to work with me. They are telling me of the over {$5000.00} bill I will have to pay them back over {$400.00} a month for 2 years and again refuse to send me a paper bill so I can see the breakdown amount or confirm who they are. I have no indication by these phone calls they are who they say they are. They have called me every week at least 2 times even after I explained what I was trying to accomplish with the Insurance Commissioner as the case is in dispute and I have to wait for the outcome. Now todayXX/XX/XXXX they have called my relatives demanding they inform me of their call and to have me call them back. At this time I have blocked their calls and I will not speak with them. 
This company is not professional in demeanor, uses illegal tactics and has no regard for the situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation