vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: UT

Complaint narrative:
National Credit Adjusters have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called XXXX, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 INQUIRIES 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/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   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 non-monetary relief
Consumer complaint received 2017-12-18 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I previously made a complaint through this website onXX/XX/XXXX/2017.  The company responded that they closed the account and would adjust my statement to reflect I had no available credit balance. To date they have not adjusted my statement - which still reflects an available credit of {$2400.00}. I believe 3 billing cycles is more then enough time to close the account and adjust my statement reflect properly reflect this closure. Either the account is closed - or it is not. I would like Santander to say one way or another and stand behind that decision.

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 2017-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Independent Recovery Resources, Inc.
State: NY

Complaint narrative:
Repeated phone call from independent recovery resources they also call themselves IRR. # 's they call from non stop XXXX, XXXX, XXXX, XXXX, XXXX. Non stop throughout the eveni g. When I asked for a verification of this debt they have nothing. When I called and told them to stop the robocalls they told me they handed this off to an attorney and I was going to be sued

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 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, XXXX and Equifax. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A state tax lien was placed on my credit reports for all 3 CRAs. The Lien does not meet the new reporting guidelines ( does not contain SSN or birthdate ) So I would like it removed from XXXX, Experian and XXXX. I am in the process of filing amended returns on all of these as the original return was calculated incorrectly.

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 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
everbank claims my escrow account is XXXX short for this coming year.
they are proposing  to raise my escrow by XXXX per month and an additional XXXX
on addition to the XXXX.
THIS IS NOT NECESSARY.   SOLUTION:
simply increase monthly excrow to XXXX
this will ;eave more than enough to pay taxes in XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below 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/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/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX  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 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: UT

Complaint narrative:
XXXX XXXX XXXX have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called RISE, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: AES/PHEAA
State: UT

Complaint narrative:
Fed Loans is reporting late payments in XX/XX/XXXX & XX/XX/XXXXthat are not accurate. I am constantly fighting with them and calling them with issues. I have not been late, they have been on an Income Based re- payment plan, for 5 yrs! I have to re-apply every year to get them my info and I do it, IN ADVANCE every year. This year they only lost my paperwork 3 times. I do everything I am  supposed to, when I am supposed to yet they get to do whatever they want and cause me late payments which are erroneous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: AES/PHEAA
State: NY

Complaint narrative:
I had a loan with national Collegiate Trust. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because National Collegiate Trust has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have taken the following steps : Between yesterday, XX/XX/XXXX and today, XX/XX/XXXX, I have spent over 2 1/2 hours on hold on three various telephone numbers ( XXXX. I held on for forty-five minutes yesterday ; XXXX I held on for one hour fifteen minutes today ; XXXX I held on for fifteen minutes today, only to have a recording tell me that he could not help me ) I then spent approximately one hour on the disputes website attempting to file a dispute, three times only to find that, after submitting, that the supporting documentation had to be a PDF file and I was timed out ( I was only online for approximately 5-10 minutes before being timed out ), I then converted my document to PDF and re-entered the website submitting the information all over again, and then received a flag that I was over the one thousand character limit, which had not been noted on the box provided for explanations and after 5 to 10 minutes editing the number of characters, I was timed out again. I attempted to resubmit a third time and I received a flag that I had exceeded the number of views for my report number and it would not allow me to go back online to submit a dispute. 

I have found Experian service to be highly unsatisfactory, disturbing, and non-consumer oriented. This is as professional opinion as I can render. The experience has been horrific to say the least. A company that deals with consumer credit like this should not be allowed to operate. I say this with a heavy heart and I do not say this lightly. 

The following is the information I am seeking to have corrected : I am writing to you with regards to report number : XXXX. 
Noted on page 23 of twenty-four of this report is : This address may be perceived as high risk since it is a nonresidential address : XXXX XXXX XXXX XXXX XXXX FL XXXX. 
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

My address is correct : XXXX XXXX XXXX XXXX XXXX FL XXXX. 

However, there is no XXXX XXXX XXXX nor is it a commercial address. It is a residential address only. 

I conducted a web search for XXXX XXXX XXXX  and was unsuccessful in finding that particular company or any company associated with my address. I attempted to attach supporting documentation, however, as previously noted, I was timed out and ultimately locked out from the Experian dispute website. 

I am seeking to have the Notices section of the report and my credit information corrected to reflect it that it is a residential address. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase is a fraud. They state on their website withdrawal timeline for wires as 1 business day. Upon making the withdrawal, I have received the email stating that the wire might be delayed 3 business days. 
I made the withdrawal request on XXXX XXXX, 2017 and still have not received my funds. Their customer service is a disaster! The wait to have my call answered was over 1.5 hours and then the representative was not able to provide me with any answers.

The only thing I have found out is that they have delays up to 3 business days. 
Well, it has been 6 days and the funds are still not available. This brings the question of Coinbase 's  liquidity situation and how they handle this type of problems. I 'm only trying to withdraw {$1500.00}. Imagine trying to withdraw 1mln .... 
If my funds are not delivered shortly, I will be taking legal action. 
I 'm most definitely closing my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: CA

Complaint narrative:
Today, XXXX XXXX, 2017, a representative from Allied Interstate shared personal information with my employer at approximately XXXX Pacific Standard Time. This was the second call from Allied Interstate at my work today, the 6th or 7th call from them since I notified them via there website that I was not allowed personal phone calls at my place of employment.

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 2017-12-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WI

Complaint narrative:
Had a previous loan with onemain financial with co-signer and lien on vehicle at the few flaws on credit.My loan was paid off with good standing and earlier XX/XX/XXXX.How ever the office made several calls to borrow again, and loan offer invite letters.On XX/XX/XXXX i applied for smaller loan XXXX dollars I was told that not enough credit, or co-signer, or a vehicle.My credit has improved I feel because I receive XXXX and work part-time there using that against me and to mention a hard inquiry on credit lowering my score.I also believe there using people like me crifeteria to gain co-sign customers to enhance there business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had a loan with XXXX XXXX XXXX. i did n't make any payments on the loan for 6 years and due to the " statute to limitations '' the loan collector should not be contacting me any more, by they still are in both forms phone call 's and letters. I am also trying to buy a house for my family and found out that i can not get a USDA loan for the house because XXXX XXXX XXXX has filled the loan as a government delinquent loan. The problem with that is the loan is a private loan not a federal/Government loan. due to the way they filled the lion on my credit report i am not able to buy my first home.

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 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
I have been receiving calls from a company called EOS CCA. When I answered, they asked for my sister and when I told them that I was not ( a ) a female or ( b ) that person the lady on the phone got chirpy with me and demanded the contact information for her. I informed her that this was illegal and I was going to file a complaint ( which I am doing now ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT

Complaint narrative:
Since XXXX XXXX when we realized our mortgage had once again been switched over to another company ( XXXX XXXX XXXX ) ; we have faxed ( XXXX XXXX, XXXX ) them the information they needed to do our loan modification, emailed them XXXX times, and then mailed them all of the same information that was faxed to them on XXXX XXXX, which they received on XXXX XXXX, XXXX according to the tracking number. Every time I contacted XXXX XXXX services, after I had sent them the information they requested I was told they still had not received the information they needed to do our loan modification. 
When I spoke with XXXX XXXX on XXXX XXXX, that was when she informed me she still had not received the mailing, and then sent the email to the party who signed for it to try and locate that mailing. We then agreed upon a payment on XXXX/XXXX/XXXX Payment Applied {$1000.00}. When I then called in to see if anything had been done about the mailing I ended up having to call 4 times, and made sure they entered the tracking number with the persons name who had signed for it to be documented in our record. To this day nothing has been settled to have them modify our loan due to their negligence and inability to notify us of any help that we need so we can make payments we are able to afford. Even after calling that day 4 times, XXXX XXXX has not returned any of my calls even when I 've left messages for her to contact me. 
Thank you for your time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sirs, I signed up with TransUnion Plus yesterday, XXXX XXXX, XXXX Order number : XXXX I wanted to try the credit service and wanted the TRIAL version service but due to the fact the information is so unclear on the web site I may have signed up for the only service that I saw which was for the TransUnion Plus Service.

I have tried at least five times to contact Trans Union and each time they instruct me to call back in ONE Hour. They say that their system is currently down and they are unable to access my account to cancel the service. 
In addition to wanting to cancel the service I wanted to request that they " reverse '' the credit card since their web site is so unclear as to how to sign up for the TRIAL Membership Service. 

I appreciate your attention in getting Trans Union to be responsive with my request for cancellation and possible refund of their service. 

Sincerely, XXXX XXXX XXXXXXXXXXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2017 Portfolio Recovery Associates illegally reported a debt to the credit bureaus for the second time that they had known knowledge from my prior correspondence to them that this debt was known by the original creditor XXXX XXXX to not be my debt. Portfolio Recovery Associates continues to attempt to collect this debt violating my rights under the FCRA. This company company continues to illegally practice illegal business practices and causing me undue hardship. I request that they immediate cease and desist reporting fraudulent accounts against my person and reporting such information to the credit bureaus. Furthermore, this illegal debt was purchased from a third party with fraudulent information against my person and Portfolio Recovery should immediately destroy the information that is illegally reporting against my person, and not sell the debt to another third party. In addition, I have attached a letter from the original credit regarding this debt and how it was to be removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: KEYCORP
State: UT

Complaint narrative:
Key Bank has recent late payments reporting on my credit report and I have never been late. I have attached enough information to prove they are in error. They have adjusted so many fees and " supposedly '' fixed my account so many times that I gave up using them. I paid my account off and took all my other money out and closed all my accounts with them. You can see how they kept adjusting fees but the account still continued to show past due amounts growing larger and larger which is crazy because I was never late! 
I have contacted my attorney and the next correspondence will be from him.

Company response to consumer: Closed with non-monetary relief