vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to Experian on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.

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 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
The student loan was through bank of America acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX  by the following agencies are out of date or inaccurate. please fix

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 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I received a call from XXXX XXXX XXXX around XX/XX/XXXX. The person on the phone said I had a XXXX XXXX Card debt of {$890.00} dollars and the card was associated with XXXX XXXX, my employer. I used my XXXX card for making travel reservations to XXXX XXXX prior to XX/XX/XXXX. The card was issued by Bank of America. I went on medical XXXX leave on XX/XX/XXXX due to a personal injury I suffered on that day. I cancelled the reservations within 10 days of my injury to avoid paying any penalties for not using the services paid for with the XXXX card. Sometime after my injury, my employer switched from Bank of America to another issuer, who I guess is XXXX XXXX. I never opened an account with the new issuer since I was on medical leave and told by my employer to not engage in any employee related work efforts. Hence, I never knew of any charges to the XXXX card. 
When XXXX XXXX XXXX called me about a debt for {$890.00}, I was mystified about it. I told them I would check into it. I checked my last known XXXX account, from Bank Of America, I owe them nothing. I think this charge of {$890.00} is a false charge.

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 2018-01-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ

Complaint narrative:
Closed escrow on my first home in XX/XX/XXXX. I paid a large amount for my escrow account and payments to be handled in a professional manner. In or around XX/XX/XXXX, I was contacted by Primary Residential Mortgage Company of an escrow shortage not forseen earlier in the year. My payment would go from $ XXXX/mo to $ XXXX/mo for one year to replenish the escrow account. In or around XX/XX/XXXX/XX/XX/XXXX I received another letter after numerous attempts to get additional information about the shortage by calling to no avail. The next letter from Primary Residential Mortgage Company stated that once again there is a shortage in the escrow account and my payment would pretty much remain the same for calendar year XX/XX/XXXX. We contacted Primary Residential Mortgage Company executive offices in XX/XX/XXXX to request a complete audit on the mortgage from it 's inception and was told it would be completed in approximately 2 days. On the phone with XXXX XXXX, Primary Residential Mortgage Company executive offices, the call was dropped and she never attempted to call back even after several messages were left between XXXX 's number and the CEO 's secretary 's number, I believe her name was XXXX. We did receive a letter stating a separate audit was completed on this mortgage on XX/XX/XXXX stating there were errors found and that we would receive a refund, we do not recall ever receiving the refund. It is my belief that if Primary Residential Mortgage Company can not accurately account for the escrow accounts of their customers without breaking their savings account in the process, for services paid for and rendered, Primary Residential Mortgage Company should have to compensate for such a radical error. Especially on someone 's first home buying experience which has now turned into a nightmare with a mortgage company who could careless about the younger generation and how business is to be conducted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I called XXXX and let them know I have never had their services. XXXX is asking me to verify my address for the time the account was open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX XXXX 2016 I lost my purse. Someone got a hold of my wallet and took money from my account. The amount was {$1900.00} and the bank does not want to give me the money back. I sent in a police report and they are still denying 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 2018-01-15 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: Credit Karma, LLC
State: FL

Complaint narrative:
I have tried the CreditKarma website to check my credit scores. They do not use the same scoring formula used as the 3 credit reporting agencies. My credit score is not accurate with them and gives people false hopes to apply for credit to learn that their score is way lower than what they show. They always list recommendations for your score to apply for certain credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Amount : {$520.00} Transfer Date : X/XX/2018 Company : XXXX XXXX : XXXX Issue Ticket # XXXX Customer Support Request ( # XXXX Status : My XXXX account is Frozen. I have made multiple request for a link or copy of their policy and procedure have have received no response. 

Background : My friend and I have expressed interest in investing in cryptocurrency called, XXXX ( XXXX XXXX XXXX ). This cryptocurrency is afflicated with XXXX which is an e-sports company which boast XXXX XXXX as one of main investors. 
We settled on an amount to purchase and I purchased the coin via a Crypto Exchange. Since I initiated the puchased, he owed me for half of the amount I investing ( {$1000.00}, so he owe me {$520.00} ) Situation/Issue : He sent me the payment via XXXX, and he added a comment with " XXXX Coin. '' Upon transfer, the transfer was immediately flagged and now it placed on hold indefinitely until I provide proof of what this transfer was far. 

I complied with their request with providing the purpose of the payment and it is currently pending. 

The issue I have with the hold is that it 's unsettling that here are screening messages on peer to peer money transfer. 

My friend could have easily put, " Rent '' or " What I owe you '' but because he put " XXXX Coin '' in a reference to a coin XXXX XXXX is supporting it was flagged as suspicious because they believe I do business with XXXX or ate XXXX food, or smoked a XXXX cigar. 

XXXX could have cancelled the transfer instead they have placed it on hold. Meanwhile since the transfer is on hold, XXXX is early float interest. 
I have already informed them that I will be filing a complaint to the FTC. 

The first issue is that is the sender can add the silliest, inane, and unrelated comment/tags to a payment and the recipients have no control over that. However even though we, the recipient, did not add the comment, we are held accountable for providing additional documentation. 

The second issue is I suspect is engaging in this practice as a means to earn float interest while the transfer is on hold. I talked to my friend and he told me the amount was debited to the account. 

I have nothing to hide, I do not do any business with XXXX and it 's not my fault that XXXX took the comment out of contact nor is it my fault that my friend put that comment, that was and still is out of my control. I can not control the comments put on money transfer. He could have put the most vile comments and it would still be out of my control. 

The larger concern is that they XXXX are auditing comments and invading consumer privacy. 

I am informing you because I feel this is unfair practices and in violation of the Federal Trade Commission Act. 

If you require additional information, I will gladly share all of my correspondence with XXXX  regarding this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-15 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:
I am currently on payment plan where {$70.00} is automatically deducted out of my bank account on the XXXX of each month by Navient. In the month of XX/XX/XXXX, Navient did not deduct {$70.00} from my account as they had been doing for the past year and a half. As of XX/XX/XXXX I received a letter from Navient stating my account has defaulted and I currently owe them the full remaining balance of my loan. I have attempted to call them multiple times and have been unsuccessful with reaching a person to speak with. This is not the first time I am having an issue with Navient. Over the past few years I have received wrong information, been denied repayment options, and have been threatened by them regarding re-payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have try to reach them for the past 8 months THIS IS A CREDIT CARD FOR A FURNITURE STORE they are charging me about {$2000.00} more of my original debt in interest charge. 
They are saying was a promotional of 18 months which I pay every month. 
but I got a balance remaining and I am getting charge now {$5000.00} instead of my balance of {$2000.00} I ask if I could to a payment plan or I will cancel my balance without the interest and they refused. 
No one told me about this 18 month only promotion I hope you can 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 2018-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent a debt validation letter to Credit Bureau Systems INC, addressing my request for validation of the amount listed on my credit report that I recently received from XXXX  and XXXX in XX/XX/XXXX. Upon receiving a reply from " Credit Bureau Systems '', I began to research the company. Because I am XXXX XXXX, I am a legal resident of the state XXXX XXXX, though I reside in the state of XXXX XXXX temporary due to XXXX XXXX. The collections agency listed above, does not have licensing or bonds to report in the state of XXXX XXXX nor XXXX XXXX which is required by law as I researched both. Therefore, they can not request debt in a state in which they are not licensed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Protection Association, L.P.
State: MA

Complaint narrative:
on XXXX/XXXX/XXXX I was notified by my current landlord that someone had been calling there phone and leaving voice mails on there phone which clearly states there names and business. they left my name and reference numbers. My landlord gave me all the information so I called the number. When the phone picked up, it said please wait. A woman answered the phone and asked for my reference number and name, never did a 3rd point of verification or ever read the mini Miranda act to me. I let her know that she did not follow the guidelines and then moved on to what my call was actually in regards to. I told the woman it was n't my XXXX XXXX debt and they were calling my current landlords number and leaving my personal information on there voice mail. The woman did n't say anything but she would remove the number. I asked to speak to a supervisor and was placed on a brief hold when XXXX XXXX came on the phone and once again ... did n't read me the Miranda act, her excuse ... it was read to me when I called in. 
Which I am pretty sure is n't the law. Also was never told if the call was being recorded either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Louisiana Recovery Services Inc.
State: LA

Complaint narrative:
The student loan was through XXXX XXXX XXXX acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX by the following agencies are out of date or inaccurate. please fix

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ECMC GROUP, INC.
State: LA

Complaint narrative:
The student loan was through XXXX XXXX XXXX acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX by the following agencies are out of date or inaccurate. please fix

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 2018-01-15 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: MIDCOUNTRY FINANCIAL CORP
State: IL

Complaint narrative:
In XXXX of 2017 i was notified by a XXXX XXXX a loan company out of XXXX XXXX. They where calling my family members Harassing them before I was notified. I told them the account was not mine. And they still refused my claim after I filed a identy theft report and submitted all the identy theft stuff to them.They said there was payments made on the account and they said it was with a check I signed but I also had bank fraud and I told them that but they still refused so they are suing me in court on XXXX the XXXX for the amount of XXXX. And will do nothing to try and help me fix the problem other than just say it's my debt. My accounts and checks where stolen from the XXXX XXXX XXXX there was several with draws taken out and also drained our savings account.

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 2018-01-15 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: CA

Complaint narrative:
In my Equifax Credit Report, under hard inquiries, they list XXXX XXXX as having made a hard inquiry. Under national credit cards.I did not authorize this hard inquiry, and suspect it may indicate fraudulent usage. They list it as having taken place on XXXX XXXX, 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOLEDO FINANCE CORPORATION
State: TX

Complaint narrative:
THIS DEBT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX AND ALL COMMUNICATION HAVE CONTINUED AND CREDIT REPORT REFLECTS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: NJ

Complaint narrative:
Today XXXX XXXX 2018 I contacted my XXXX XXXX to ask when and how many times do they report my balances to ALL 3 Credit reporting Bureus. XXXX stated ( and I have their email statement ) ONCE A MONTH. I signed up for XXXX XXXX credit score monitoring with Free Daily Alerts. It appears, that Equifax, XXXX XXXX and XXXX are reporting to my credit file balances Two weeks after my closing date with XXXX XXXX,  then immediately decreasing XXXX XXXX score as much as 20-30 points at ANY GIVEN TIME OF THE MONTH. I find this to be wrong. My XXXX XXXX closing date is the XXXX of each month. Verified with XXXX XXXX. Why is Equifax, XXXX XXXX and XXXX  reporting balances two weeks after? And decreasing my score? I am AFRAID to use my XXXX XXXX at ANY TIME because Equifax, XXXX XXXX and XXXX is reporting incorrectly HURTING my score. I applied for credit and was denied because of this game the Credit reporting agencies are doing. I have TREND REPORTS by XXXX where it shows the dates, the decreases and the entire month graph as proof. I also have a written statement by XXXX XXXX that they ONLY report my Balances every XX/XX/XXXX of each month. What is happening here, is that the credit reporting agencies are keeping my Credit Line Utilization Ratio High, when in reality it is low 4.5 to 7 percent. By doing so, my scores drop. I know my rights as a consumer and I demand an Investigation to this bad business practices. XXXX XXXX advised I should report this immediately because it is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Unable to log in as 2FA code was lost. Filed initial ticket on XXXX XXXX 2017. Case ID # XXXX. 

Issue still not resolved. Keep on receiving the same automated responses and instructions, despite me continually telling them that they do n't apply in my case. 

4 days sometimes goes by with no communication. Unable to access my account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
THIS ACCOUNT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. THIS ACCOUNT IS REPORTING AS A CHARGOFF AND I AM STILL RECEIVING COLLECTION ATTEMPTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have n't had a late payment in almost 2 years wanted to get theses removed I have paid off the account

Company response to consumer: Closed with explanation