vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 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: Foreman Financial Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with Foreman Financial Inc. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and Foreman Financial as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted Foreman Financial to  discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. Foreman financial has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has Foreman Financial EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!

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 2018-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I didn't know if a XXXX XXXX debt on my credit report till my mortgage loan officer said I needed to pay it. I paid the debt XX/XX/XXXX of {$180.00}. I requested a letter ( per my loan officer 's request ) stating that the debt was paid in full & will be taken off my credit report. Diversified Consultants emailed me a letter stating the debt was paid but not that it will be taken off my credit report. I called and a very hateful lady answered, saying they don't take it off the report. I asked if they put it in the report & said she yes but they don't take it off. I asked who does so I could contact them since this is the ONLY thing on my report that is stopping me from being able to close on my house. She said she didn't know. I asked when will they report to the credit bureau that the debt is paid, she said 30-45 days. I said I can't wait that long but she didn't seem to care & told me the conversation was over. My complaint is that this collection agency is quick to report but after the debt is paid in full, they don't really care to help to get it off of your report. & to top that when they reported the debt my score dropped 19 points which also disqualified me for the USDA loan. This is so wrong on so many levels & someone needs to do something about it. Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Whitestone Financial Holdings LLC
State: VA

Complaint narrative:
Negative, This Company and the dealerships are in business to ruin hard working ppl lives. I brought a vehicle for {$16000.00} and I put {$10.00}, XXXX down. Nothing was wrong with my credit. I wanted to pay the whole amount but was convenience by the dealer to go with Whitestone Financial to help with my credit. Which nothing was wrong with my credit. Instead I'm paying close to {$14000.00} in loans for a {$7000.00} balance. How can the government allow these loans to do this to someone, when clearly I did not know my interest goes up daily no I did not read that, at least I did not get the understanding of it. These loans should be in simple form for all reader regardless if they believe we understand what they are reading. Still should not give them the right to make double the money on loans. I was not aware until my sister read the interest rates on one of the pink forms I believe. Dealer also added on extra insurance because he stated Whitestone would not Finance me without it the gap insurance and a gps installed in my vehicle. All lies to make money. I would never recommend Whitestone to anyone. So I'm paying {$24000.00} for a vehicle that wasn't even worth {$10000.00} at the time of purchase.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I requested credit from XXXX XXXX XXXX. They denied me. On their denial letter they listed Experian. 

I went to the Experian site to obtain my credit report. I tried 11 times in a row and was rejected 11 times. the site flat rejected me the first few times then it asked me to prove my identity I tried to upload my Drivers Lic. and utility bill. Experian 's site was not able to upload ~ 30kb of data. I was rejected again. 

I believe the repeated rejections are a deliberate design feature of their website to force citizens to pay to obtain their own credit information. 

I. Am. LIVID!!! I am well educated and know how to use the web. Experian ought to be pounded through a bung hole left in the barrel for a week and then drawn out through the same hole with a sharp hook! XXXX! those people are Jerks! And security concerns have ZERO to do with their designed blocking of ME from MY information!

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 2018-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I contacted Chase auto finance to inquire about a deferment to offsite unexpected moving expenses. I was read disclosures about the deferment being approved, including the new loan terms. I was advised my gap policy would expire on the original loan expiration date. I was told to cancel my autopay so I didn't pay during the agreed upon deferment. Then I was transferred to someone else who told me they apologized for the misinformation I was provided but I didn't qualify for a deferment. At which point I asked to speak with a manager. The managwr assured me they would do two things. 1. Send the coaching opp to the manager of the first agent I spoke with. 2. Have the call reviewed for reconsideration for the deferment by the second agent I spoke with and that I'd receive a call back within 48 hours. 2 days later and still no call. So I call back and speak with a different manager who says I have no follow up scheduled and that the issue was resolved the first call. After going back and forth with him for a while he said he's open a case and have the first manager I spoke to call me within the day. It's now been 3 business days and I've not heard from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
On XX/XX/2018 I withdrew XXXX from my XXXX account and transferred it to Coinbase. 
I should have changed the coins back to bitcoin before transferring, I know it was my mistake. It was {$9200.00}. 
I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. 
I contacted coinbase and here is the response I got back from them. 

Good day! 

Thanks for hanging in there while we investigated this case. 

Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by XXXX, as these funds will be not be capable of being retrieved. 

For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. 

Have a great day, and thanks for using Coinbase! 

XXXX Coinbase Support I contacted XXXX XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. 
This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. 
Dear Coinbase support, I have unfortunately accidentally transferred XXXX USD to my Coinbase address XXXX Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXX for additional information on how to recover and return the funds. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: NC

Complaint narrative:
Contacted Transunion on XX/XX/18 @ XXXX and spoke with supervisor named XXXX and advised him that i have filed a FTC report and i gave him my affidavit report # XXXX and stated that i was a victim and i wanted to know if the inquires on my report would be removed. Also, explained to him that i was apart of the XXXX and Transunion security breach and i just wanted them to help me. Also, there is a 7 year fraud alert on my report for my security. He stated the he could not remove the information because the FTC affidavit does not show any dates, and that Transunion has their on in house policy if they will accept documents. I asked him what the policy was and he stated he could not share that information with me. I am so disappointed and seeking assistance with getting my issues with Transunion resolved. I have certified letters, and fax confirmations that i have sent them on numerous occasions and still no help.

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 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I made an agreement with the XXXX XXXX courts to payoff amount of XXXX dollars to XXXX XXXX   XXXX in XXXX Arizona who was representing XXXX XXXX of XXXX XXXX, CA. I agreed to pay XXXX dollars biweekly which I did and paid of and settled the account XX/XX/XXXX.  Midland still shows a balance originally of XXXX dollars which I paid XX/XX/XXXX whci was my last payment. Then on XX/XX/XXXX XXXX increased the amount owed by XXXX dollars. I called them to ask them to remove the collection off my account and it is still on the report. They promised to remove it by XX/XX/XXXX and it is still there. They have been very difficult to work with and hard to understand. I just want this paid off collection to be taken of my report I am trying to buy a house and I did do my due diligence to pay my debt they should remove it a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase foreclosed on my home illegally while dual tracking claiming repeatedly they had no interest in the home they were a servicer that had transferred the servicing to another company. They then had my home sold at Auction and purchased it for {$500.00}, when I called their Executive offices they told me '' WE CAN PURCHASE A HOME FOR WHATEVER WE WANT YOU SHOULD HAVE PAID YOUR MORTGAGE '' They took the home through eviction then turned around and listed it for {$140000.00} not even 3 weeks later. So they got paid through insurance for the mortgage as a bad debt wrote off the debt bought the home for {$500.00} then are reselling it for {$140000.00} more and still trying to collect on the original {$120000.00} loan as an outstanding debt. 

HOW DOES A SUPREME COURT JUDGE ALLOW THIS TO HAPPEN HOW ARE THE BANKS ALLOWED TO GET AWAY WITH THIS ESPECIALLY WHEN THE FORECLOSURE WAS NEVER DONE PROPERLY TO BEGIN WITH.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Because of lost income, I notified my credit card providers in XXXX that I was no longer able to make monthly minimum payments and asked them to reduce the amount due until I can get back on my feet. One of them, XXXX XXXX, immediately worked out with me a plan to reduce the amount and lower the interest rate in the interim. But one of them, Citi Visa ( XXXX ) declined to working out a plan with me. I told the bank that all I would be able to pay via online payments is {$100.00} a month in order to keep the account open which I have been doing. But, not only am I accruing monthly fees by the bank 's refusal to work out a plan with me as XXXX did but I am receiving on a daily basis anywhere from 4 to 6 robo annoying calls which is a total violation of my rights. I want Citibank to work with me during this personal financial crisis and stop harassing 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 2018-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Company reporting to credit reporting agencies late 30 days XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was told that since incorrect information was given by service representative to have payment automatically deducted from account that since it was no error to myself, no negative reporting would take place. I spoke to two other representatives within month of XX/XX/XXXX and was advised that no negative reporting would take place and a request had already been submitted to CRA to remove negative information. XX/XX/XXXX, I sent check, which was date XX/XX/XXXX XXXX but not cashed by XXXX until XX/XX/XXXX. I have sent a dispute in regards to this and still have had no success with resolving this issue. XXXX also continues to report incorrect balance on my credit reports, which doesnt reflect all payment history. I have made them aware of this, yet they continue to report incorrect information regardless how it negatively impacts my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: FL

Complaint narrative:
Company reporting to credit reporting agencies late 30 days XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I was told that since incorrect information was given by service representative to have payment automatically deducted from account that since it was no error to myself, no negative reporting would take place. I spoke to two other representatives within month of XX/XX/XXXX and was advised that no negative reporting would take place and a request had already been submitted to CRA to remove negative information. XX/XX/XXXX, I sent check, which was date XX/XX/XXXX XXXX but not cashed by XXXX until XX/XX/XXXX. I have sent a dispute in regards to this and still have had no success with resolving this issue. XXXX also continues to report incorrect balance on my credit reports, which doesnt reflect all payment history. I have made them aware of this, yet they continue to report incorrect information regardless how it negatively impacts 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 explanation
Consumer complaint received 2018-03-20 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: CA

Complaint narrative:
In XXXX of XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with XXXX XXXX XXXX. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and XXXX XXXX as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted XXXX XXXX to discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. XXXX XXXX   has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has XXXX XXXX EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!

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 2018-03-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I called XXXX XXXX, my current servicer, about a week ago just to make sure that everything was in order. I am participating in the XXXX XXXX XXXX XXXX XXXX, and I have about 3 years left of payments. I asked about confirming the date that is on all of my paperwork from XXXX XXXX   which is XX/XX/XXXX. I had problems with my previous servicer XXXX XXXX in that they lost my paper work, and I was put on a forced forbearance for a couple of months. When all was said and done, I had proof that I had sent the proper paper work, and that XXXX XXXX had mis-handled it. Because of that, XXXX XXXX was counting those months on forced forbearance toward my 120 payments toward XXXX. In addition, I had been in a consolidated loan since being with XXXX XXXX in XXXX. XXXX XXXX took over my XXXX XXXX at some point-I am unsure of that date. I called to confirm all of the mis-handled paper work, etc. at that time that they took over the loans, and I was assured that they could see the previous notes from XXXX XXXX and that they would honor that. Fast forward to today. When I called XXXX XXXX most recently ( XX/XX/XXXX ), I was told to " take that date with a grain of salt '' meaning the XX/XX/XXXX date when I am eligible to apply for forgiveness. I was told that they had no record of being in a consolidated loan with XXXX XXXX and they were using the date that XXXX XXXX took over my loans. I told them that I had always been under a consolidated loan since being in repayment because I have always been participating in PSLF ; I work for a government organization. They told me that they were unable to see any notes from when XXXX XXXX serviced my loans, and that I would " have to prove it '' that I had always been in a direct consolidated loan. I find this hard to believe in that they were previously able to see those notes in the past. On top of that, I never did a new consolidation when XXXX XXXX took over. I happened to find my consolidation paperwork from XXXX with XXXX XXXX, so I actually can " prove it '' ; however, I should not have to do that. I also filed an ombudsman complaint both with XXXX XXXX as well as the US Department of Education, and I have not heard back from either organization even though they said that I would hear back within 48 hours. That was at least a week ago, and pushing toward two weeks.

Company response to consumer: Closed with non-monetary relief