vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX sent my medical bill to collection on XXXX XXXX2016 which is clearly a violation of the HIPPA law. At the time of the service I was covered under insurance which I called XXXX several times to inform them of my insurance information. This is affecting 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 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Weinberg Mediation Group LLC
State: IL

Complaint narrative:
I have received numerous calls/voicemails from a XXXX XXXX, claiming to be from The Weinberg Mediation Group, she threatens to contact the local authorities to have me placed under arrest. She has also called my Employer, family members and states the same information. I have inquired with a XXXX, IL Attorney regarding and was advised this is a scam and to file a complaint. 
Phone Numbers calls are received from ; XXXX & XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Today I received notification that my Equifax credit score dropped 62 points. I pulled my report from their website this morning and discovered seven ( 7 ) open credit cards were deleted and one ( 1 ) installment loan. How do current/open trade lines just disappear from a credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Ive contacted XXXX XXXX several times in writing demanding they prove the debt they are claiming I owe

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I aquired a auto loan from XXXX XXXX XXXX on XX/XX/XXXX. I  was on time with my payments and was in good standing with my loan. I was involved in a car accident in XX/XX/XXXX where my car a XXXX XXXX XXXX was totaled. The accident was reported to as being the other persons fault and they were ordered to pay for the car. What the other persons insurance did not cover was taken care of by my gap insurance. I have recently checked my reports and on all three credit reporting angecies XXXX is reporting a balance and the debt as a charge off and this information is inccorect because it should be reporting a XXXX  balance becuase they were paid by both my insurnce company and the at fault party.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
td bank in XXXX XXXX florida, i have an antique auction and need access to cash for purchases, and usually in a hurry, they will NOT let me cash a check over several thousand without 24 hour notice, is this allowed that i cannot get access to my own MONEY$$

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have had a long going history with Chase for years and have excellent credit and I have even paid annual fees lately for recent credit cards. I noticed today that they shut all my accounts down. They said its because I have had too many accounts opened in the past year. There has been no fraudulent activity or abuse. I am extremely upset, as i use these accounts often for travel. I recently paid XXXX annual fee for a XXXX XXXX card as well, they closed this account and will not refund the fee. Please help and have them reinstate my accounts or I will seek legal action. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18 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:
I have called ( XXXX XXXX XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

TransUnion Hard Inquiry XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Fcu XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX Cap XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX   XXXX, XXXX XXXX  XXXX Apr 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 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: ID

Complaint narrative:
Transworld Systems is acting as a collection agency for the State of Wisconsin to collect state income tax from me for a seven-year period for a total of {$12000.00}. The only sale I have made to a company in Wisconsin is one for {$3400.00} in XXXX. ( See the attached invoice. ) I have no sales presence, resellers, stocking sellers or any company activity located in the State of Wisconsin. All my sales are internet sales. I have never been to Wisconsin. 

I have patiently explained all of this in detail to the State of Wisconsin and Transworld Systems, but keep getting auto-replies. I pay state income tax in the state of Idaho where my home-based business ( XXXX XXXX ) is located. I owe nothing to the state of Wisconsin or Transworld Systems. 

Transworld 's latest letter was XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Cable bill saying i owe {$190.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/2015 my wife and I purchased a living room set (couch, love seat and ottoman) from XXXX XXXX XXXX in XXXX , Ca. We were offered a no intrest credit card for what we thought was 36 months through Synchrony Financial.
My wife recently noticed that the bill was not being paid down. At this point I contacted XXXX XXXX. They said the terms were 24 months deferred interest and advised me to call Synchrony Financial.
I called and had a very hard time getting through, I just went into a loop that eventually hung up on me. I kept calling and asked for an agent in the US when I reached an overseas agent who did not want to help me. Many dropped called and transfers back to overseas agent I reached an agent her that said he could help.I explained what happened, he reiterated the terms and told me that I had no choice but to pay the deferred interest (at 29.99 %).
I asked if they would be willing to waive the interest and fees and he replied no, we needed to pay in full and interest will still accrue until we paid if off.
While I admit  that we are guilty of misunderstanding the terms, we feel like we were misled. Fist it was not interest free. We also thought that as we made the payments that it would be paid off before the expiration of the interest free period ( as in a previous purchase through Sychrony and a different firm), but the payment listed was only minimum, which we did not understand. Again, I feel like we were mislead, no so much lied to as, but just given half truths and misinformation.
The original purchase was for $XXXX plus tax and delivery fee. The balance on the account now stands at $XXXX , and rising. This is almost as much as the purchase price. I feel that Synchrony is taking advantage of us and charging an outrageous intrest rate and late fees. They do not even want to do anything at all but tell us to pay all the interest and fees.
This institution is predatory, I can imaging how many people, partyicualy older non computer literate people are being scammed like this. You have to be very persistent to contact these people and push to get any kind of information or answers. 
Please appeal to them and see if we can get this matter taken care of, I cant sleep at nigh and, dont have enough money to pay this balance with the high interest rate the are charging..

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 2018-01-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX sent my medical bill to collection on XXXX XXXX2016 which is clearly a violation of the HIPPA law. At the time of the service I was covered under insurance which I called XXXX several times to inform them of my insurance information. This is affecting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: CAINE & WEINER COMPANY, INC.
State: WI

Complaint narrative:
Caine & Weiner Company a collection agency has contacted me via mail and I 've never given them my address. They are reporting fraudulently on my credit report for XXXX, it was removed from XXXX. I was in chapter XXXX the summer of 2013 and did n't discharge until XXXX. The original creditor was XXXX XXXX XXXX XXXX which I rented as part of my Car insurance and they are saying I owe them. Which I do n't because anything associated with this car accident was included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bliksum, LLC
State: CA

Complaint narrative:
I am writing to complain about the collection practices of a debt collection company hired by XXXX XXXX. The company claimed to be called XXXX. The representative " XXXX '' threatened me and said if I did n't give her over {$4000.00}, which is more than what I owe, right away she would take it out of my check and it would be no less than {$15000.00}. She also called my job, and 2 relatives and told them there was a case out against me and I would be going to jail if they did n't tell her where I was. Her phone call was beyond threatening. I worked out a payment plan with XXXX XXXX and they were n't willing to accept it so they are threatening me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I wired {$25000.00} from XXXX XXXX XXXX From XXXX XXXX To Coinbase ( individual Account ). They said the wire would be reversed because accounts didnt match. On XXXX XXXX I did NOT receive the money so I emailed to follow up, they said they were backlogged and would resolve soon. On XXXX I emailed again still No Money returned. On XXXX XXXX I emailed again included again all the info they needed. Where the wire originated how to wire me back. Ref # from the wire and still no REsponse. 

They have a customer support line but do not handle wire issues on phone, also waited 1 hr and no one answered. 

I am at wits end of what the next step. I have XXXX XXXX trying to help, but we have made no progress. 
I just want them to Wire my money back, Its almost a month. Ref # XXXX - wire ref #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Initial contact XXXX XXXX XXXX, an employee of XXXX XXXX contacted me regarding an account they are trying to collect on. I advised the employee said account has already been paid to a different collection agency. She advised there was no proof of payment and they had acquired the account now. I requested information from her such as company name, company address, and/or name of lawyer she was working with. She advised she could not tell me bc the lawyer would be interrupted with unnecessary calls and disturbances. She advised that she was a mitigator and I told her I understood that but needed to know that they were not scamming me. She gave me 48 hours to find proof of payment or they would be serving me for court and will be getting sued. 
XXXX XXXX, XXXX I sent an email to the employee with attachments of a bank statement and email from INITIAL collection agency we had paid showing credit card confirmation numbers as well. I called the employee to confirm email was received but she advised me that her secretary needed to go through the emails and have it forwarded to her ; she could not confirm right away. One week later XXXX XXXX XXXX I receive a call from same employee stating she did not receive email. The same email I initially sent was re-sent XXXX XXXX XXXX and again XXXX XXXX XXXX. I attempted to call the employee to confirm receipt of email but was unsuccessful. 
XXXX XXXX XXXX I received a call from a different employee advising that they still had no proof of payment on account and advised me to fax the information. XXXX XXXX XXXX I faxed same forms, as advised, and obtained proof of fax transmittal. That same day XXXX XXXX XXXX I called this employee to confirm she had received fax and she advised me her secretary had to sort through faxes and once she received it she would call me. XXXX XXXX I receive a call once more where the employee advised she did not receive email. I advised her she requested a fax which is what I sent and she corrected herself and advised fax was not received because the fax machine must be broken. I advised her I was given the same response by prior employee and this needed to get resolved because I have proof of payment. She advised I can text image of forms I have showing proof and gave me the same email address I have been emailing from the beginning. 
XXXX XXXX XXXX I submitted via text and email once more information they are requesting. To this date XXXX XXXX XXXX, I have no proof from them as to who they are, what company owns this 'debt ', and no written letter from them to collect this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
I have an insurance claim and the check was made out to mortgage company and myself. The company has been troublesome rude and threatening in processing this money back to me. I am concerned about the ability to do the repairs insurance is paying for when they are getting in the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: TX

Complaint narrative:
I have called ( In XXXX XXXX ) and wrote a letter of complaint last month about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted. 
All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account. 

Equifax Hard Inquiry XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX attached to account-legit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I placed a stop payment ONLINE with Chase Bank. The check number is # XXXX and the amount was {$130.00} I placed the stop payment XX/XX/17 and paid the {$25.00} fee. 

Chase changed the check number on the account to # XXXX so they could get around the stop payment. My bank statement says they cashed check # XXXX, but the check returned to me still say # XXXX. I dont understand how that can be, and CHASE refuses to give me an explanation. First they blame the other bank, then they say I did not contact them soon enough. 

Now they say the reason why they cashed the check is because I had a XXXX amount for the check amount when I filed the stop payment online. However, it is impossible to do a stop-payment online at CHASE without a check amount. THey are lying to me and committing fraud in covering it up. I am stunned!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Central Holdings, LLC
State: TN

Complaint narrative:
Last year employees of Credit Central, XXXX XXXX XXXX, XXXX XXXX, XXXX, TN XXXX ( XXXX ) XXXX, ( XXXX ) XXXX started calling me to ask me to ask my brother to call them. They said he listed me as a reference on his account. I gave my brother the message. Since then this company calls me constantly until I had to ask them to stop calling my house. I do not have an account with them, have never had an account with them and the harrassement is bothering me and my husband. We are both senior citizens, my husband is a veteran, and we just want to live in peace.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18 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: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
To Whom it May Concern, I applied for a Mortgage Loan, knowing that I am 100 % qualified and thought I have XXXX credit score. When the loan officer pulled up my credit and said that my credit score is XXXX, I was shocked. I paid all my bills on time, never was late with any payments in my life, pay credit cards in full every month and paid my currant mortgage down 80 % within 2 years. HOW THAT is even possible? JCPenney reported Charged OFF account of {$2500.00} that I have no clue about. I have an active account with JCPenney with {$0.00} balance and {$1000.00} credit limit. I called the customer service probably 10 times already and it does n't get me anywhere where I need to be. First of all customer service representatives could n't see any charge off accounts and their managers refused to take the calls and did n't want to be responsible for any actions, they refused to connect me to anybody. Finally after 2 days of trying, they said they will send me the dispute letter within 7 business days, some representative transferred me to the Fraud department to file Fraud ( XX/XX/XXXX ). They provided me with a fraud case # XXXX. I called today XX/XX/XXXX-a week later, nothing has been updated, no info, no progress, no dispute letter that they suppose to mail. Nobody should ever be in this situation, this is stressing me out, it is financially hurting my ability to buy a new home for my family and JCPenney does n't take serious responsibility for anything. Please help me to resolve this issue. 
Best Regards,

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