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 a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am disputing a Chapter XXXX Bankruptcy that is on my Credit Report. I do not recall filing a Bankruptcy on XX/XX/2012. I have contacted the Federal Bankruptcy Court in Arizona and the letter I received back ( see attachments ) does not confirm the bankruptcy belongs to me and also states they do not furnish information to the Credit Bureaus.

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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: CA

Complaint narrative:
BALANCE : {$10000.00} Dear XXXX, We intend to proceed with legal action to secure the balance you

owe on your Discover Personal Loan as shown above.
You can resolve this by calling us to make acceptable payment arrangements. 

If we do not hear from you by XXXX Eastern Time on XX/XX/2018, your account will be forwarded to an Attorney to file a lawsuit against you. Our representatives are available Monday-Friday from XXXX to XXXX, Saturday XXXX to XXXX and Sunday XXXX to XXXX Eastern Time. 
CALL NOW AT XXXX BEFORE YOUR TIME EXPIRES! 

Should your Discover Personal Loan agreement require Discover to provide a notice of Claim then this letter shall serve as notice of Discover 's claim against you. The transactions making up your account balance have been sent to you in your monthly account statements. 

Sincerely, XXXX XXXX Operations Director Discover Personal Loans

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is falsely reporting a collection account on Experian. I have asked them several times to remove it or show proof that the debt was mine. They have not done it. all they have sent me was a letter saying " that they could not discuss it because it was not my account ''. I have called XXXX fraud department and spent hours on the phone with them trying to get this resolved to no avail. Please 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 non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Real Time Group, Inc.
State: TX

Complaint narrative:
This complaint is regarding Real Time Resolutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. This company is providing inaccurate and deceptive billing statements. Statements provided do not reflect previous months payment. Furthermore, the current payment is inaccurate as well. Request CFPB investigate the deceptive billing practices of Real Time Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COAST PROFESSIONAL, INC.
State: NC

Complaint narrative:
The Coast Professional has been garnishing my wadges since XX/XX/XXXX without any prior notice. I was enrolled in a Rehabilitation program in XX/XX/XXXX. Said program required 5 payments paid consecutively and on time. I was told by my representative XXXX that afer all paper work was recived I would be enrolled and The garnishments would stop XX/XX/XXXX. In XX/XX/XXXX I recieved a letter stating that my loan was in default. Upon calling the company I was told that I was never enrolled in the program I was just prequalified. I explained that wasnt so because I had doucumentation verifing my enrollment, and told them that payments had been drafted on time monthly since XX/XX/XXXX in addition to bi weekly garnishments since XX/XX/XXXX. I have spoken to XXXX, XXXX, XXXX, and XXXX XXXX XXXX first names, they will not give me last names or direct lines ) all four employees have given me diffrent information and forms needed. and refuse to stop the garnishment as previously stated.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian only allows people to dispute online 50 %. When you get to the end of the dispute process, the website will deliberately kick you off so you lose the photos/supporting documentation that you try and upload. This corrupt type of racketeering needs to stop. How are we supposed to dispute with these corrupt giants, if they are using XXXX XXXX XXXX racketeering methodology to continue breaking the law. How are we supposed to keep contributing to the system, take out loans, and pay interest rates, if the Credit Reporting Agencies keep racketeering us? Doesn't that kind of defeat the purpose of what makes this world go around? So, what does Experian, XXXX and XXXX do? Nothing, they are not open for business to accept the consumers money in exchange for the worst customer service I personally have experienced thus far. So, once again they can just waste their expensive printer cartridges sending me a copy of my non-refutable information that I have already submitted that they intentionally will not allow. They are not getting ahead by this way of conducting themselves. It's actually costing them more money by doing this. If they were even the slightest bit intellectually mentally advanced as some of us are, they would understand that people are willing to hand them cash to get there credit reports accurate and up to date. It's 2018 lets show some initiative and get something done here. Thanks 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 card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express through their Amex offers program advertises promotion through which card holders receive benefits if they make purchase at certain merchants. The card has to be pre-registered for the promotion and the purchase made subsequently. I made such a purchase for XXXX XXXX Membership onXX/XX/17 after registering my card for the promotion which was supposed to give me 5000 bonus Amex points. I have however not received the bonus points even after multiple conversations with Amex who seem to keep promising to resolve this issue in 3 days everytime I have a chat with them. Have tried to escalate this atleast 3 times. I have available the entire chat conversation

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX XXXX XXXX and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX. 
Experian - www.experian.com. XXXX  XXXX XXXX. XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXXXXXX 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 2018-02-07 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase sent me an email stating that a payment was due. When I clicked on the link and logged into their site, it showed I had two cards each with a balance of {$0.00}. 

After the second time I received this email and attempted to pay, I called them and was told that I do not owe any money to Chase that all of my accounts show a {$0.00} balance. 

When I received a letter in the mail I called them again and after spending 45 minutes on the phone being bounced around to several departments I was told I have a balance on a closed account of ( approximately ) {$2500.00} and that they had charged late fees. 

I told them I felt this was shady as they wanted money from me but would not show me my statement. As of this date, about 4 weeks later, they still have not made my account information available on their website or sent an up to date statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: MB FINANCIAL, INC.
State: IL

Complaint narrative:
On XX/XX/2017 I transferred an IRA account from MB financial to XXXX XXXX prior to its maturity. The amount of the IRA was {$16000.00} however MB financial only transferred {$15000.00}. They said the difference was due to an early withdrawal penalty. The account was only paying 0.399 % APR at the time and the Truth in Savings statement provided when I initially opened the account has no mention of early withdrawal fees. The interest accrued at that point was {$32.00}. The penalty they charged was against my principal and interest in the amount of {$560.00}. I argued that : I was over XXXX years old and should be able to withdraw at anytime and the the original Truth in Savings information I had no early withdrawal fees. They said that that had been changed since my original opening of the account. Additionally prior to transferring the account to XXXX XXXX I checked there website for early withdrawal fees and none were listed. I faxed an original of the Truth in Savings document to them but was ignored. I can't believe they can get away with this practice? 
Additionally I received an end of the year statement stating that they distributed a full {$16000.00} from my account. They did not. Not sure how they are rectifying there books but this is fraudulent I received only {$15000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc.
State: NC

Complaint narrative:
On XX/XX/2018 I sent RGS a letter, via certified mail, asking them to validate an alleged debt that was on my credit report. I dont recall ever having XXXX XXXX. In my request I asked them to provide the agreement with their client that authorized them to collect on alleged debt, an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor, and complete payment history on this account so the amount owed could be verified as correct. RGS failed to supply me with any of the information I asked for and only sent me two statements.This is a negative remark on my credit report that I am reaping the consequences for and its not properly validated to prove that it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: SC

Complaint narrative:
In XX/XX/2017 I was sent to XXXX XXXX XXXX XXXX XXXX due to an XXXX of XXXX. I was completely XXXX and the hospital made me sign documents that I didn't have any capacity at the time to understand. Being a XXXX XXXX I wasn't aware of how medical debt was distributed and recently found that my unpaid debt was sent to a collector, XXXX. I talked to them and they were unable to settle the debt for me and demanded immediate cash payment within 90 days in the amount of {$490.00}. For the past year I have been making payments to XXXX   XXXX XXXX in the amount of {$300.00} in total so far for the ambulance. XXXX has ruined my prestine credit score over a debt i wasnt even aware of. Is it illegal to make someone without capacity sign documents for a service that i didnt voluntary take nor was life threatening?

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I tried to call these three credit reporting agencies for annual credit report and they said they can't recognize me over the phone even after I told them my personal information. They refuse to send me 3 free credit reports to me. Also I tried to get approved for XXXX It secured credit card but they declined my application. I suspect that my parents ; XXXX XXXX XXXX and XXXX XXXX XXXX are using my SSN to open more accounts and they financially abused my settlement money after I turned XXXX. I'm XXXX years old and I try to rebuild my credit using secured credit card but I can't because of fraudulent activities by my own parents. They need to be held accountable for doing that to me. I tried to call these three companies but they won't send me free credit report information because they can't recognize me at all. 
XXXX XXXX XXXX. XXXX  XXXX XXXX. XXXX, GA XXXX. XXXX. 
XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX, TX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, PA 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 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
A delinquent trade-line from the company BARCLAYS BANK DELAWARE for {$3100.00} still appears on my XXXX credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why XXXX would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please 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 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
This account has been re-aged and somehow added back on my account. After sending my dispute in the mail now I tried to request for a compliance check on transunion website but it would not submit my information. They are reporting addresses that i have before requested to be removed. They are reporting inaccurate information. i am submitting my letter with this complaint in regards to the addresses that i am demanding for removal as well as a collections account by XXXX and a couple of employers and phone numbers listed.

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 card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
18 year 's of credit deined to me using my real data as a 50 states IDs scams frauding me and my documents and as retailers business permits and products and skus and 50 states XXXX XXXX products and menu 's and groceries stores containers and advertising and schools and colleges frauding scams using my documents and auto stores and insurance workers and investment reps and XXXX and sales personal and attorneys and lawyers and judges and building permits and banking permits and politican listings and home land development and semi trucks companies and CDLs frauding me and my documents. 

I have been deniged credit cards for 18 years from XXXX XXXX, XXXX, XXXX, and XXXX and thru all banks to for credit cards. 

Even XXXX XXXX Even XXXX 's

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 repair services
Issue: Problem with customer service — 
Company: Diversified Consultants, Inc.
State: NE

Complaint narrative:
I have already paid this amount with XXXX off and contacted the debt collector which was over a year ago and they said they've already updated the credit bureaus. Its only updated through XXXX not XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
A delinquent trade-line from the company XXXX XXXX XXXX for {$3100.00} still appears on my Equifax credit report despite the fact this account is not mine, the other credit bureaus have removed the account, I have disputed it, and no proof has been sent to me that this account even exist. I am not sure why Equifax would let this happen as I have contacted them multiple times telling them this. They won't let me dispute this item online for some reason. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
Coinbase is a online stock trading application, that evolves around etherum, lite coin, and bitcoin trading. I deposited about {$320.00} Onto the website to buy bitcoin currency. The currency once purchased, I withdrew to put the amount I earned into the companies holding account to deposit into my bank account. The amount on that account was a residual {$300.00}. So I have lost about {$17.00}. The amount I had for bitcoin was {$2.00}, etherum was {$.00}, and litecoin was {$.00}. I have emailed the company around 25 times within the past 2 months to return the valued currency to my bank account after 5 failed attempts of the company sending verification charges to my banks savings and checking accounts. The frustrating part was, each email sent was ignored, and every phone call they received from me, was immiedietely sent back to the prerecording message stating to further get in contact with them, submit a request and send them an email online. With the end of the second month of no reply, my account apparently glitched up and lost all the currency held upon it. I signed into the account, and it told me that it didnt recognize my device. So I changed the password to the account, reauthorized my phone with a sms code sent to my phone via text message, then it wanted me to repeat the process. That I did, and got a message stating to many login attempts. So I fell asleep, woke up the next day, and all the funds were gone. No funds in each currency, or even in the holding account. The main question I have, is if our funds are backed by the FDIC to fully show that our losses arent gone by just being in a holding account. Why is it that I couldnt fully withdraw all my funds from every currency, and withdraw all the funds from my holding account, and deposit into my bank, but some random reason all my currency disapears within 2 hours. Seems fishy that the company is probably holding my funds without me knowing of the location. If more information is needed, I can provide bank statements of the deposits, and that no money being sent to my account. I only use XXXX and bank. But my bank is still not authorized with their company. XXXX is my email address that the account is on.

Company response to consumer: Closed with explanation