vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mid-Atlantic Finance Co., Inc.
State: TX

Complaint narrative:
I initially submitted a dispute with the credit bureaus in  XXXX  of  2017 reques ting validation of this debt w ith Mid-Atlantic Finance. I never received any proof that I requested, just stating that it meets the FCRA Act, duri ng that dispute process they continued to report a late payment for a debt that is past the Statute of Limitations for Texas, meaning they ca n't collect on the debt, but still failed to provide a legal form of indebtedness with a physical signature. On  XXXX   XXXX  I sent my validation request to  Mid Atlantic Finance direct ly requesting the same information for validation and again on  XXXX   XXXX ,  2017 , they reported a late payment again during an investigation period. While an account is under dispute, all activities must cease until the investigation is complete. Not once, but twice have they failed to supply a physical form of indebtedness with a valid physical signature and they are still reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been sent to collections to two different companies for the same debt with two different amounts. I believe Macy 's has violated FDCPA by laws as well as these debt collectors. I have attached two separate letters to validate my complaint.

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 2017-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: PA

Complaint narrative:
I am a single parent and co-signed my daughters loan in 2010 with Sallie Mae. Her father co-signed subsequent loans. I just discovered this year that my interest rate is well over 11 % while her fathers is in the 8 range. We have similar credit histories and salaries. I feel as though I was discriminated against.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I sent and requested information from this alleged Trust. <P/><P/>Option One Mortgage Loan Trust XXXX - XXXX Asset Backed Certificates Series XXXX <P/>I get no financial documents to support a default or history of cash flows and relevant documents as per request under the QWR and Debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX is reporting I had late payments in 2015. I printed out my statements and sent them in to them circling all the payments made from my account to them that year. I recently sent a complaint to XXXX and they corrected the problem. I am not sending the same documents to Experian so they can see the payments were made and remove the derogatory marks from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Company : USAA Summary of events : About XXXX of 2014 I called USAA to receive car insurance coverage. I had been covered by USAA but under my parents ' insurance policy. <P/>First phone call : They refused to discuss insurance coverage because my account had been flagged. Prior to this call my only business with USAA was that i was covered under my parents ' policy, I never opened any bank account or received any other services from them at any time, at all, ever. <P/>Second phone call : I called to ask about the flag on my account and see what it was for. They said that it was a fraud flag and they transferred me to their fraud department. I asked why I had a flag and they told me that it was for fraud and that USAA refused to do business with me. They refused to disclose any paperwork or information about the fraud or the nature of the fraud, I tried to explain that I was a victim and that I had n't ever done business with them other than be on my parents ' insurance policy and that I had no idea how this happened. They told me that they refused to do business with me and that was all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc
State: VA

Complaint narrative:
On XX/XX/XXXX, I signed registered with the University XXXX XXXX for an XXXX class ( XXXX XXXX ). The very next day I got an email stating the class is not excepting enrollments from the University XXXX XXXX and thus I did not take the class. In XX/XX/XXXX, I get a letter from Williams & Fudge , Inc stating I owe {$1500.00}, about a quarter of it is late fees. I ca n't understand why they want me to pay for a class I could not attend per the University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I purchased XXXX ethereum ( a type of cryptocurrency ) from Coinbase on XXXX/XXXX/XXXX which was added to my account. On XXXX/XXXX/XXXX I purchased another XXXX ethereum, which was never added to my account. I tried to contact them on multiple platforms -- their website, email and twitter message ( which they actually recommend ). I have not heard from them at all and they 've since deleted my case on their support website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this 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 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of 2011, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) indicating that my ( current/never late ) vehicle loan was being amortized due to my credit card ( delinquent and late due to loss of employment ) account since my credit card had not been paid. At the time, I inquired how this could happen when my car payments were on time/never late, even after relocating out of the country ( my car payments were transferred online from XXXX XXXX to XXXX ). I was told that due to my credit card being delinquent, I would have to refinance my car loan with another company as there was nothing else they could do despite the loan NEVER being late. Fast forward after my second return to the states, the vehicle was repossessed and sold. <P/>I never received a ledger for this account, nor any bill of sale information to determine how much this vehicle was sold for and how much was applied to the balance. This loan also included GAP insurance and other financial protections that I paid an additional {$70.00} a month for, and none of the benefits from those protections were applied to the " remaining balance '' after selling the vehicle. <P/>While reviewing my credit reports, I noticed that late payment dates occur on this account where the account was never late ; additionally, I personally have witnessed how the " Account Balance '' on the account magically changes from {$2800.00} to {$4400.00} and back again EACH time I file a dispute with the three credit bureaus to have the correct information reporting about this 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 2017-06-27 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: CA

Complaint narrative:
In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. <P/>Please remove all of these inquiries because they do not belong to me, and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I thought I was speaking with a Navient Department of Ed agent over the phone, but I was n't. It was XXXX XXXX ( although very kind woman ) representing Navient XXXX XXXX XXXX, XXXX who told me to pay in advance the amount of XXXX dollars in order for me to qualify for a lower interest of my loan. She gave me the option to pay XXXX for three consecutive months, which I agreed. Supposedly after either paying the XXXX or the XXXX dollars my montlhy payments would be as low as XXXX dollars. This application was described as XXXX. I scheduled a payment of XXXX and provided her my debit card number. Few days later a received a call from the origianl Navient. The agent wanted to remind me to make a payment to avoid being called, etc. I told him I was confused and told him I previously scheduled a payment already. He said he could n't see that on my account. It was until that moment I knew something was wrong. According to the original Navient agent I can not be charged for something that Navient offers me for free. I was suggested to avoid any calls or emails from tbe other company and fortunately I had enough time to cancel my debit card and replace it at my bank. This Navient XXXX XXXX XXXX, XXXX are scam, they charge people to qualify for repayment programs/options.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Integrated Recovery Services
State: OH

Complaint narrative:
I received a phone call saying if I did n't give her my debit card number and a payment plan there would be a warrant out for my arrest. She was threatening and very rude. Would not try to work with me on payment arrangements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: CA

Complaint narrative:
I sold tickets on XXXX. Two days AFTER the event, the buyers reported to XXXX that my tickets did not work. I tried settling it out with XXXX and did what they asked me to do. I contacted XXXX XXXX XXXX ( the venue ) to ask for a scan report for the event and my tickets, and they told me they are unable to send me the scan report because they do not keep scan reports. I then contacted XXXX ( original ticket selling website for the event ) and asked them for a scan report and they told me they do not have scan reports for the event. I emailed XXXX all of my conversation transcripts with both XXXX XXXX and XXXX. I also emailed my original order receipt for the event. XXXX emailed me back saying they understand that it is beyond my reach to obtain the scan reports. Then I saw on my bank account that they immediately took out the money from my bank account. I asked XXXX for proof that the buyers really were not able to get in with my tickets, and any other proof that they did not just reported me just to get their money back even though they got in to the event. XXXX NEVER replied to my email after they have already taken out the money from my bank account. XXXX did not show me proof that the buyers were not lying, and I did everything I could to cooperate and get all the information that I could. I disputed this charge to Bank of America, but they decided to close the case in favor of XXXX. I would like Bank of America to research this further and help me obtain the proof that I am asking from 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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
I paid my monthly mortgage XXXX-2017, I added XXXX to be applied to my principal. They used my money for two future mortgage payments till XX/XX/XXXX, I called, the girl no understand English, I do n't speak 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 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
on X/XX/2017 Coinbase wrongfully transferred money out of my bank account and is now refusing to pay it back. When confronted by my bank account transaction proof, they simply refuse to show any proof and are simply ignoring my requests They now have locked my account for 60 days, so I cant even take out my US Dollars valued around {$3900.00} from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services
State: GA

Complaint narrative:
I received a Perkins loan through XXXX XXXX College several years ago. I am still a XXXX XXXX XXXX and the loan should be in deferment. <P/>XXXX XXXX College forwarded the loan to ACS campus products and services in order to service the loan and I am now receiving letters that my loan is in repayment and past due. <P/>I have tried contacting ACS customer service SEVERAL times via telephone and they do not respond to any calls. I am left waiting for a representative while background music plays and states " thank you for calling, your call is very important to us. Please stay on the line and your call will be answered in the order it was received. '' After 15 minutes the line goes dead and the phone call is ended. This is consistently. Over 10 phone calls. <P/>I have also tried contacting XXXX XXXX College financial aid. Apparently, XXXX XXXX has outsourced their financial aid phone calls to an answering service. I have called 4 times and have spoken to 4 different individuals who do not know anything in regards to handling this. Two representatives have even told me to contact XXXX XXXX financial aid ... which is exactly how I got to them in the first place as all XXXX XXXX financial aid calls are handled through them. I asked to be transferred to a supervisor - which they said they could not do. I asked to be transferred to someone in the actual financial aid office at XXXX XXXX college and they said they do not have the ability. I asked to speak to the dean of financial aid and they do not have that information. <P/>I called XXXX XXXX college 's general information number and spoke to an operator who stated they only had the same phone number as I did in regards to financial aid and confirmed that the calls were being outsourced. I asked to be transferred to the dean of financial aid and they were not able to do that either. <P/>I am basically unable to get information on my loan and unable to provide information to process a deferment. <P/>I find it to be in extremely bad taste that XXXX XXXX college has chosen to outsource such a critical department to a third party in which sensitive information is held, given, and provided and that they do not have a way to handle students concerns such as mine with direct assistance from somebody at the XXXX XXXX financial aid office. <P/>I also find it to be extremely concerning that a loan servicer, such as ACS campus products and services, who is supposed to assist and facilitate student requests on information about their loan has such an insufficient customer service system to the point that it is neglectful and could lead to major financial issues for those who have loans serviced by them by inappropriately reporting late payments and defaults onto credit reports.

Company response to consumer: Closed with explanation