vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/2018 I contacted Experian to update the contact number on my credit report, under the fair credit reporting act it states that consumer reporting agencies must correct unverifiable and inaccurate information. This was stated on a recorded line at XXXX XXXX  EST with call center supervisor XXXX from XXXX XXXX. I verified myself and provided a report number and she was unwilling to assist.

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 2018-02-07 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech began servicing my mortgage in XX/XX/XXXX. One of the first things they did was refund me nearly {$1000.00} from my escrow account. I assumed they knew what they were doing and cashed the check. In XX/XX/XXXX they did an escrow analysis and stated that I was short due to the refund that was a mistake on their part and my mortgage would go up {$100.00} for the next year to make up the shortage. That much I understood. However, in XX/XX/XXXX they did another escrow analysis and stated I was now {$2300.00} short. I was given the option to send in a lump sum of {$2300.00} or spread the payments out over the next 12 months increasing my mortgage from {$650.00} to {$840.00}. My payment in XX/XX/XXXX was {$570.00} and the property taxes have not changed since XX/XX/XXXX. Being that my taxes are $ XXXX/yr and home owner 's insurance is $ XXXX/yr I fail to see how my account could be In the neighborhood of {$3400.00} short in just a couple of years. My taxes have never been late or increased since they began servicing the loan. I am a real estate salesperson and appraiser so I have an intimate knowledge of property taxes and mortgages. For the life of me I can't get an answer or reason how my account could be this short. The mortgage all along has included an escrow payment of {$190.00} which is the exact amount to cover the taxes and insurance. 
I started in XX/XX/XXXX making calls trying to get an explanation of what was causing the shortage. Since then I've made at least 6-8 calls speaking to all different departments, if they didn't transfer me to no one, with not a single answer. They have promised on more than a few occasions to get back to me or have an expert look into it again with no results or phone calls. 
Please help me end this egregious over step of power.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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 — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
There are 4 accounts on my credit report that i have never opened cor applied for credit with. 

I contacted the companies ( XXXX, XXXX XXXX & XXXX ) directly as well as XXXX  XXXX amd XXXX. 

They have not removed this information from my report. I asked them for the documents and any copies that they have with my signiture and there was no answer. I want thia removed from my report these are fraudulent accounts that were opened.

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 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: CA

Complaint narrative:
On XX/XX/2017 i sent a dispute letter. Grant & weber did not respond and the account was only on my XXXX  credit report and is now on my XXXX credit report as well. I do not have a contract with this company. The amounts are XXXX and 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 2018-02-07 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: SC

Complaint narrative:
They claim that I have late payments with XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX.XXXX XXXX. I have disputed several times asking them to validate these non payment or late payments accounts and they have yet to do so. I've submitted letter, bank statement and copy of money order and certified mail showing proof that I never paid late. I also have confirmation from faxes and yet when I call the company and credit bureau, they saying that they have not received my disputed but my records show otherwise.

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 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This is a formal complaint lodged against PNC Bank. In XX/XX/2015, PNC Bank unjustly accused me of owing them a balance of {$2.00}, XXXX. Despite multiple attempts to prove to them I was not liable and had been a victim of identity fraud/ theft, they still attempted to hold me personally accountable. After much stress and litigation, PNC conceded, acknowledged that I was not responsible for the fraudulent activity, closed the case, and sent me documentation that any fees incurred or credit required would be dealt with, accordingly. Today, I went into another banking institution to apply for other financial products. The representative stated I had been 'flagged ' in their system due to " fraudulent activity '' associated with a previous PNC bank account and that my request had been denied, consequently. I went directly into a PNC branch to be put in contact with someone from their internal escalations department and was informed that despite, not having been liable for their formal claims against me, I would continue to be penalized by having this incident in my history for up to 5 years, when in fact, my name should've been removed from the flag/ fraud database as soon as it has been established, I was responsible, back in XX/XX/2015. Ive attached proof and correspondence received from PNC Bank to date. I am pushing to have my name removed from the fraud database. 

Thanking the bureau for its time and consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2018 I authorized a wire transfer in the amount of {$1400.00} from my bank, XXXX XXXX, to the merchant bank for CoinBase, XXXX XXXX XXXX. I've confirmed the money was received at XXXX XXXX  on the same day and I've been providing CoinBase with the confirmation IMAD number for that wire since last week. They have yet to credit my account for the wire. I get XXXX response from their customer support except to be told that my complaint has been passed on to a specialist and elevated to critical status. That was last week and I have yet to hear from any specialist. At this point I'm considering the money stolen by CoinBase, and I have initiated a claim with my bank. But they have said since I authorized the wire, they will have a hard time resolving the issue to my satisfaction. That is why I'm writing to you. I've also reached out to a law firm that is coordinating a class action against CoinBase so that I can be included. 

I am not the only one complaining about this. A quick XXXX search or scan of the website XXXX will unveil a plethora of similar stories, many involving much larger sums of money. 

Please do the right thing and hold CoinBase accountable for this negligent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Instance one : At the time of taking out the loans Navient ( XXXX XXXX ) would not state what my interest rate was while I was still a student even though interest was being accrued. By the time I graduated with a XXXX-year degree and began repayment, the accrued interest was already $ XXXX. 

Instance Two : I graduated from XXXX University in XXXX  of XX/XX/XXXX.  Navient ( then XXXX XXXX ) refused me an income-based repayment plan forcing me into deferment. Once able, I began making interest-only payments of about $ XXXX/month because I could not afford interest/principle payments of about $ XXXX/month. I was XXXX and working XXXX part-time jobs. This went on until 2014 when my interest-only plan expired. At this time they finally agreed to an income-based repayment plan which lowered my monthly payments and interest rate and increased the life span of the loan by 30 years. 

Instance three : My parents co-signed on one of my loans. I have tried on two serperate occasions to release them. Although I make my payments on time each month we were denied. 

Instance four : I am currently set-up for reoccurring payments. On 3 different occasions Navient has notified me of past due payments on the XX/XX/XXXXof the month even though my payments are scheduled for automatic deduction on the XX/XX/XXXX. I have paid immediately to stay current only to have my bank account overdraft by 2nd payment deduction on my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am just noticing a XXXX monthly fee on my account for Non-Bofa teller withdrawal. I did not withdraw any money nor does it reflect that I did in my payment history. I see that this has happened for over a year and I want my money back and a credit put on my account for every month that you have done this. While you are reviewing my account please go ahead and review any other fees to have accessed and I will do the same.

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 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC
State: OH

Complaint narrative:
My son was given two loans that should have never been given to him based on his income debt ratio. The loans were by two separate companies. One was XXXX XXXX XXXX and the other was through XXXX XXXX. The one was for {$20000.00} and the other was {$17000.00}. Since he could not afford the payments they went into collections, which is where his father and myself came into the picture. 

The one loan was negotiated with a XXXX XXXX XXXX. XXXX XXXX Their address is XXXX XXXX. XXXX XXXX XXXX XXXX, Utah XXXX. I dealt with a XXXX and XXXX XXXX. They of course used all the tactics from nastiness to ruining your credit to garnishing his wages. The other company Asset Recovery Solutions XXXX XXXX, Illinois XXXX. I dealt with XXXX and a XXXX XXXX. Same tactics very nasty and threatening. It was a very upsetting experience because they play hard ball and your already upset that your child is in this horrible situation, and your trying to help him through something that should never have happened in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: GA

Complaint narrative:
I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX XXXX  {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau XXXX, XXXX  and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from Equifax that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in May of initial complaint shows there wasn't a 30 investigation done.

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.

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 2018-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have done my due diligence in regards to four accounts. I have contacted the companies that these are unverified and no contract accounts since XX/XX/XXXX. By calling and disputing over the phone. Also mailing four rounds of certified 609 dispute letters sent. Last sent certified XX/XX/XXXX. These are the accounts : XXXX XXXX Bank {$300.00}, XXXX XXXX {$400.00}, XXXX XXXX XXXX XXXX   {$310.00} and XXXX XXXX {$300.00}. This has been ongoing since XX/XX/XXXX and now XX/XX/XXXX. It is time to get a resolve of closure. 

These accounts are reporting closed Collection accounts but currently open and over credit limit by {$1.00}. derogatory remarks, late payments and charge offs/Bad Debt. All of this is negative reporting. 

I have been fighting these accounts and hard inquiries since XX/XX/XXXX. These are preventing me from home ownership my lender continues to tells me. They need to be removed off of my reports it is causing adverse direct affect to my credit scores. 

There were also certified Hard Inquiry Letters with company name and date of inquires listed sent to each bureau TransUnion, XXXX and XXXX  in XX/XX/XXXX too. 

I filed online complaint with Consumer Financial Protection Bureau in XX/XX/XXXX in regards to these four accounts. First I find it unacceptable from XXXX that my address provided is not reporting in my credit file. Since XX/XX/XXXX through XX/XX/XXXX I had received several correspondence in regards to updated personal information, inquiries and new accounts. Even updated reports through that time period to the address I provided. Nothing had changed. As a bureau just not dealing with the delete and removal of these accounts. 

I requested from each bureau to provide name of investigator of my file which is a Federal right and to provide signed contracts to verify accounts as mine. You ignored this request as well which is evidence of your willful disregard of the Law. By sending email or whatever form of verification to CFPB on your part of said investigation is in violation. Also continuously telling me to contact the companies is shifting the burden and in violation of 15 U.S. Code 1681 ( a ) ( 4 ). The dates in XX/XX/XXXX of initial complaint shows there wasn't a 30 investigation done. 

I am a consumer and intend to pursue litigation in this matter.to enforce my rights under FRCA. 

I demand that you delete all of the accounts listed and hard inquiries in certified letters immediately. I want an updated and corrected credit report showing that these items have been deleted and removed. This is my complaint and demand.

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 2018-02-07 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: Regional Management Corporation
State: NC

Complaint narrative:
XXXX XXXX XXXX was reporting this account as a collection on my report during the time when the account was showing open with the original company. The company XXXX XXXX stated they were handling the issue and was not using the reporting agency. According to my XXXX credit report, they reported past due and in collections when they were not allowed to. XXXX was also showing the same information and the account being opened with them. When I reached to XXXX XXXX over the course of 2 years, each time a representative was rude and could not provide me documentation where XXXX asked them to obtain the account. It was being reported negative wit past due and as a collection, causing my score to drop significant. XXXX stated this would be fixed and XXXX XXXX was to close and delete the account back in 2016. This is still on my report as a collection incorrectly and with 27 90 day past dues!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
To whom this may concern, XXXX XXXX reported my account with a balance of {$0.00} in XX/XX/XXXX. In the attachments provided you will see my last payment date of XX/XX/XXXX. XXXX XXXX is requesting that I provide more information than what has already been updated on my credit reporting. It is illegal for your company to obtain an account without having all of the information. In the next 30 days, I need to view my ORGINAL CONTRACT W/ A COPY OF MY SSN AND MY ID to prove ownership and not identity theft. Reason : Per my credit reporting account w/ XXXX XXXX has been closed sinceXX/XX/XXXX with the last payment being XX/XX/XXXX. I am also requesting my ENTIRE FILE that way your company can be provided all necessary information regarding my payments. If you are unaware of this information you would need to contact XXXX and update my reporting. I have no recollection of any business with XXXX and I would also like for you to prove that I owe XXXX. XX/XX/XXXX I do plan to take legal action thus you have already been provided proof showing debt is not valid and made of abuse of credit reporting. 


XXXX XXXX XXXX Last 4 : XXXX Previous information was submitted XX/XX/XXXX via email after sending correspondence week of XX/XX/XXXX via mail. ( XXXX previously advised they can not received proof via email only mail-stall tatic easy way for company to state they never received and or stall disputing process. ) Orginal disputed information contained snap shots showing XXXX XXXX XXXX balance XX/XX/XXXX last payment XX/XX/XXXX. When following up with XXXX to be sure receipt of information they stated they have received information and requested for me to send them further information such as contract/agreements made to resolve the balance. I then advised XXXX that since they purchased account they should have all information necessary regarding file and should not need me to send anything to verify. If they do not have information they have to go off of what was provided by their client and their client has provided them misinformation per credit reporting. I then sent the above information XX/XX/XXXX with attachments from credit karma showing balance has been resolved. Please help with this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial had agreed to take off all 5 late fee 's ... 
On my XXXX and XXXX I am being hit with 5 late fee 's which there customer service at Ally Financial agreed to take off. 


They agreed To Take off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have been making all my payments.

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