vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Phoenix Recovery Group
State: FL

Complaint narrative:
Last Reported XX/XX/XXXX Collection Agency PHOENIX RECOVERY GROUP Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$3000.00} High Balance {$3000.00} Remarks Account information disputed by consumer, meets FCRA requirements I have disputed this debt several times through email correspondence with the company, in addition to the National Credit Reporting agencies and this debt has not been removed. This company is not registered legally to attempt to collect a debt in the state of Florida, where I reside.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: CA

Complaint narrative:
I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am Shocked when I reviewed my credit report and found late payment on the dates below : 30 Days late as of XXXX 2014 30  days late as of XXXX 2014 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened up a TD Premier Checking account for its current promotion : Earn {$300.00} when you open a TD Premier/Relationship checking account and receive direct deposits totaling {$2500.00} or more within 60 days. Website of the promotion is https : //www.tdbank.com/checking-aff-incentive-55/ I completed the direct deposits requirement within 60 days but never received the {$300.00} promotional bonus within 95 days from account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: FL

Complaint narrative:
Re : AES SERVICER FOR MY LOANS WITH XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I have mailed and faxed to Cancel Autopay for All Loans with Loan and Graduate Services. I am resending a letter from XXXX XXXX as as my checking account is still being auto debited after cancellation request. The letter was sent in the same envelope with my request for a settlement/different repayment terms which I received a reply on. The request to cancel auto debit seems to have been ignored since it has continued. Of note, I sent a request to cancel auto-debit over 6 months ago, but only my XXXX/XXXX XXXX  stopped debiting. Therefore, this is my 3rd request to properly cancel auto-debits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 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: EQUIFAX, INC.
State: NM

Complaint narrative:
I tried to apply for a gas card through XXXX and was denied due to showing XXXX hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports.
1. XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX -XXXX XXXX XXXX XXXX, TX XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX 3.XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: NM

Complaint narrative:
Equifax is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

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 2017-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have had to purchase reports to attempt to fix inaccuracies in my report. I keep trying to dispute things and getting timed out and then eventually locked out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX is not responding to any of my requests to investigate, verify and remove fraudulent, unauthorized inquiries from my credit report that were not initiated by me.

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 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
I get a modification loan 3 years ago, and because of my low income the mortgage monthly payment was established and signed by Bayview Loan Servicing in $ XXXX From XXXX to XX/XX/XXXXto present i have been receiving letters of intimidation from Bayview ( available upon request ) saying i had to pay them between {$5000.00} and {$6000.00} the amounts varied ; Bayview also put the whole value of the house in my credit {$31.00} making my credit notably lower. All is wrong information as I never failed in paying my mortgage payment. On XX/XX/XXXXBayview sent me a letter saying my Condominium had failed in presenting proof of hazard insurance. Innumerable letters to the Condo asking for that proof were never answered but finally and after uncountable emails to Bayview I received a letter from them dated XX/XX/XXXX here included saying " the lender placed insurance we purchased for your property is cancelled effective XX/XX/XXXX ''. But on XXXX XXXX I received a mail from Bayview saying " we do not have proof of coverage from XX/XX/XXXX-XX/XX/XXXX. If you are able to provide a copy, we will be able to cancel the lender placed insurance that is effective for this time frame. The condo will not provide a copy directly to me. Next thing is Bayview has returned my current XXXX payment without a letter or explanation. In their website my acct shows i have to pay {$260.00} a month, that 's wrong, and is not the established modification amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I tried to apply for a gas card through XXXX and was denied due to showing 12 hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XX/XX/XXXX 3.XXXX UT XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4.  XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y 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 explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Had contact the company to eliminate continue high fees ..proposed an offer to pay off credit balance that has never go down ... .the account has been closed for years ..the interest rate should have decreased due to no activity of usage. I had similar credit cards I used to borrow cash money for college expenses. I graduated back in 2011 and this credit card is the one that I am still paying today with a balance of XXXXI do n't have anymore credit cards they all were payoff like XXXX card..XXXX  ... XXXX XXXX XXXX..When I will stop paying this credit card the balance is still the same ... this is crazy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
I am Shocked when I reviewed my credit report and found late payment on the dates below : 30 Days late as of XXXX 2014 30 days late as of XXXX 2014 30 days late as of XXXX 2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements

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 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
i transfer XXXX to XXXX and still my money its not here they have very bad costumer service!! my account was disable for trading so i can not see my money or do anything i have several weeks trying to communicate with them but i keep receiving generics answers from bots!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
no fraud on my report. not on public assistance.information reported over and over.can not recall dates, actions, amounts, because of false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
I went to XXXX XXXX XX/XX/XXXXgraduate XXXX with a certificate in XXXX. I Have never worked in the field because the certificate is no good since XXXX is close. I tried doing right being a new mother at that time. Want to know if i can get my loan discharged for school closing and filing bankrupt in XXXX. Since im stuck with this loan and a certificate I cant use ... ... please help a single mother of XXXX ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
I contacted Medical Data systems since the last complaint to the CFPB. I contacted them twice on X/XX/2017 the first persson I spoke to was very rude and I let her know I never recived anything in writing and she went on and said have you been checking your XXXX XXXX in a sarcasm manner I told her yes and I still have not received anything from this company. She also never offered to send me anything else she just told me to pay the {$100.00} I told her I will pay them there money if they delete it off my credit report and they refuse to do anything. The second lady I talk to looked at the ladys notes from the call before and she hung up on me and that is very unprofessional. So I 'm very upset with Medical Data Systems. I also informed the first lady I will be filing this 2nd complaint with the CFPB and be contacting an attorney. Her response was go ahead and file another complaint with the CFPB. If your going to hire an attorney she said you just need to pay the {$100.00} you owe us very rude.

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am Shocked when I reviewed my credit report and found late payment on the dates below : 30-60 Day late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. There was an increase in the payment amount, but I was not informed. I usually pay and through my Bank of America App and there was no change of minimum payment due on the app at that time. It was still showing the amount that I would normally pay.

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 2017-08-16 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: GA

Complaint narrative:
Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GU

Complaint narrative:
Dear CFPB Customer Service, This is to respond to the Complaint # XXXX reference XXXX. I am exhausted, if you need more information on my behalf. I authorize CFPB to release our information including my wife, she authorize to act on her behalf in the POA to be able to get her score with major credit bereu so the XXXX XXXX can able to transfer her money to her Bank account here on Guam. I authorize the CFPB, XXXX, XXXX, Equifax and XXXX XXXX to speak directly to our Attorney XXXX XXXX. his phone- XXXX. I also authorize our Attorney not to extended the Fraud Alert on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
Johnson mark LLC took money out my checking account on my bank statement says legal order Johnson mark LLC XXXX they the amount of {$340.00}. I never had any notification that they sued me or that they were going to take money out of my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I spoke ro capital one about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: GA

Complaint narrative:
Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information Att wireline. XXXX XX/XX/XXXX XXXX XXXX charge off XXXX and XXXX dollar should not be on my credit There are 14 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied XXXX  XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my 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 explanation