vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 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: NJ

Complaint narrative:
I was charged {$15000.00} for XXXX school with XXXX XXXX in XXXX NJ. My loan was given through XXXX XXXX Part of the program was that I would get on an internship after school. I never completed the internship and was unable to work in the field I studied for because the internship they scheduled me to start was a completely different subject than what I was in school for. Once the school closed shortly after I was unable to get in contact with anyone in the school to figure out what I can do to get any record of training that I had. I was never given a certificate of completion and never finished the internship. I would like to have this debt removed from my credit report due to the fact the school closed without any notice and the debt remained with me. I do not feel as though it is fair for me to have to pay a debt for an education that was never given. The promise the school gave when I signed the forms was that I would be placed in a program to get a job and the internship would be complete after the schooling was completed. Neither agreement planned out that way and I would like the debt to be placed as paid in full and closed on all three credit reports. I spoke to all three credit bureaus and had this issue resolved with XXXX  and XXXX. XXXX would not place the account as paid in full and only took away the interest that accrued over time. I spoke to them last year in the beginning of 2017 and was told that the debt is back to original balance. This is not acceptable to me since the other 2 credit unions changed the status.

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 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX has sent a debt that should have been paid by my insurance company to QUALITY ASSET RECOVERY in XXXX, NJ. I am not sure why there is a balance of {$1300.00}. The service dated listed is XXXX XXXX 2014. I do not remember being at the hospital and if so, it should have been paid by my insurance company. I believe this debt is not mine. I need help with this debt because it is ruining my credit.

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 2018-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
We purchased our home while XXXX was XXXX XXXX XXXX. Upon leaving the military in XX/XX/XXXX 2015, his job that was promised did not happen and became underemployed. I, XXXX, became XXXX with XXXX and on full bed rest and on XXXX from work. The XXXX were born 3 months early. One XXXX has major health issues that require special care. XXXX tried to find a better job and once employed did not receive pay for a few months. At this point we could n't keep up with the payments and fell behind on our mortgage. Now we are in a desperate need of a short sale. We have an offer on our home, we just need more time to get it reviewed by the bank. Will you help us get the foreclosure sale date postponed? It is currently scheduled for XX/XX/XXXX. The bank is Loan Depot and the loan number is XXXX. Thank you so much for your help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation
State: NJ

Complaint narrative:
Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants Credit Corporation
State: FL

Complaint narrative:
I hired a law firm named XXXX XXXX XXXX to help me take care of it and unfortunately they did not do anything for me I spent a XXXX dollars a month for 5 months and nothing was resolved along with they do not have a signed physical copy of the agreement made by me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I lived in XXXX XXXX on XXXX XXXX from XX/XX/XXXX untilXX/XX/XXXX I called XXXX to have my lights, gas and electric turned off, however, they never shut it off and someone else ran up my light bill. I called them several times to remedy the situation and each time they promised that it is resolved. However, a balance of {$1200.00} from XXXX is showing up on my credit report on all 3 agencies. I need this removed and disputed immediately. This is unfair and complete unethical.

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 2018-01-24 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: Freedom Mortgage Company
State: VA

Complaint narrative:
Freedom mortgage has reported an inaccurate 30 days delinquency on mine and my husbands credit reports. I did attempt to make my payment on the XXXX and XXXX day of month ( XX/XX/XXXX ) but because the system was putting in the wrong amount of my payment I was unable to make my payment. I attempted to contacted Freedom mortgage several times and was on hold for over 30 minutes each time. I was finally able to get someone and made my payment. I questioned the errors on the online system and the inability to get in touch with someone. I was told that they were short handed to due the holiday and system errors like I was experiencing were causing an increase in call volume. I thought surely they were aware it was there issue with the system and I would have no issues with my reporting. I later called back and was told not to worry that there would be nothing reported. I am very familiar with the requirements under the Fair Credit Reporting act and I have no issues seeking legal advice if this delinquency is not removed from my credit report. Let me be very clear, I am not asking for a goodwill removal I am demanding that you update my report bc of you system issues surrounding the timeframe in which I was attempting to make my payment. I hope this ends here and quickly.

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 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX at approximately noon, I was home with my father eating lunch when Meade and Associates called. I am my father 's power of attorney and caregiver. So, after getting his permission, the lady proceeded to tell me that he had a XXXX XXXXnpaid debt from XXXX Health from XX/XX/XXXX. I proceeded to discuss it with her that I had sent them a check and they refunded it back. She explained that he still owed it. In the end, I decided to pay it over the phone with dad 's debit card. I gave her the number and expiration, etc. She told me that the card went through. She then told me that there would be a {$5.00} charge ( fee ) for paying this over the phone AFTER she took my dad 's card number and running it ( bringing this charge to {$15.00}. ) I agreed to this after the fact because she already had my father 's card number and a stop payment is more money and he owed the {$10.00} anyway. At no time was the fee ever discussed before the card number was taken. She had ample time to tell me in advance. She even read dad 's card number back to me before telling me this with a pause. This is underhanded to explain this after the fact even if it just {$5.00}. So, the only reason I am complaining is of this tactic of extracting more money from my father afterward with no explanation beforehand and no offer to explain to us how we could pay it another way to avoid the fee. However we might have felt about paying this 'convenience ' fee, I bet there is some 'law ' or ethical code that they must disclose such fees in advance of running a debtor 's card number. Our phone number is ( XXXX ) XXXX if someone would like to call us about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
At the closing of my mortgage XX/XX/XXXX I asked the Chase Mortgage representative, what is loan to value percentage I need to remove PMI if the house appreciates in couple of years. At that time he respond 78 %. I called Chase on XX/XX/XXXX to ask for an application to get my house reappraised since the value has gone up and they told me that ratio is now 75 %. I told them that was not what I was told and wanted to file a complaint on the person who had miss informed me. After be transfer 3 times and but on hold for over an hour. I asked the person in the originators office ( at least that is where I was told I was transferred to last ) if they have persons name so I can file the complaint. They said they can not give me that information, I asked if I can have the branch in which is filed so I can lodge a complaint on how they where miss leading customers they said they can not give that to me. I asked why ca n't you not give me the branch info and they hung up. Tried calling back and when I got transferred to the originators office and start to explain what happen they hung up again!

Bottom line, when you are dealing with Chase mortgage department make sure they show you the numbers and not just tell you them. Especially when comes to PMI because that information about how to get out of paying the PMI insurance is buried in the paper work and does not match what they say.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
There are two parts to this issue. 1st : Fraud on my bank account while I was hospitalized. The bank had sent me a new debit card & it was stolen from my mail box. Whoever, also scanned in fraudulent checks for deposit & then used that money to run my card. All fraud activity was done onXX/XX/XXXX & XXXX, XX/XX/XXXX on my debit card ending in : XXXX. The total including overdraft charges equaled {$780.00}. That amount was deducted from my S.S. direct deposit of {$1000.00} on XX/XX/XXXXleaving {$260.00} cash of MY funds. 2nd : Seeing that the {$780.00} had cleared, I used the NEW debit card, ( ending in XXXX ) the bank sent me when I reported the fraud to pay my phone bill of {$32.00} on XX/XX/XXXX. The XXXX was withdrawn on MY funds yet on XX/XX/XXXX the bank reversed that charge. The bank had made an error, including that charge in the fraud case. The person I talked to said that they had a right to recover their provisional credit? XX/XX/XXXX they deducted that amount from my acct. & so my acct went into OD again..now I am in collections for $ XXXX- all OD charges because of their error! They said that I either initiated, took part in or benefited from the original fraudulent activity! I most certainly did not! I am XXXX yrs and in bad health. I need my S.S. I have a mountain of paperwork and I cooperated with their requests. Can you help me get out of collections and get the money they took from me? Thank you.

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 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XXXX-2018 my Bank sent a wire transfer of {$800.00} to Coinbase and they keep assuring me I will get the money back, but I still have not received it. It has been 19 days now. Their complaint support email asked for the XXXX tracking number from the bank transfer which I did send them. It is not possible to contact them by phone and their emails just keep saying the same thing, that they are busy and will get back to you. I just want my money back and will never do business with them again. Please help. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i am XXXX XXXX, XXXX claim on my account {$3000.00} and inform the credit bureaus long time before and after i call in XXXX /2017 regarding this is a false claim, then they respond me that the claim will resolve and it is a false claim in your account, so we will remove in 30 days and informed the credit bureaus and remove from your account.but as of today they did not remove from my account.and when i call they says again to wait 30 days from today. but i cant beleave that they can do that. they are playing with my credit from last one year. the claim no on 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 non-monetary relief
Consumer complaint received 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft and have been going back and forth with both of the bureaus and companies for over a year and nothing has been done. I have requested proof of their investigations and received nothing. i have requested proof of my agreement and received nothing. I requested a contract or copy of my id or signature and received nothing. I have have attached a copy of my identity theft report and a copy of my drivers license as proof of my identity and have received nothing. I have even started the process of taking legal action but was advised by an attorney to file a complaint with this forum and request they delete and block these items pursuant to section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and that under this section these items must be deleted and blocked and an updated report showing these removals be sent to 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 2018-01-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because I am a victim of identity theft and have been going back and forth with both of the bureaus and companies for over a year and nothing has been done. I have requested proof of their investigations and received nothing. i have requested proof of my agreement and received nothing. I requested a contract or copy of my id or signature and received nothing. I have have attached a copy of my identity theft report and a copy of my drivers license as proof of my identity and have received nothing. I have even started the process of taking legal action but was advised by an attorney to file a complaint with this forum and request they delete and block these items pursuant to section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and that under this section these items must be deleted and blocked and an updated report showing these removals be sent to 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 2018-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Data Corporation
State: NJ

Complaint narrative:
Was never notified of this debt. Wasnt allowed to write a check on XX/XX/XXXX. When I first called I was told that there was no debt on file and my account with them was clear. They then came up with 3 checks they said needed to be paid and it would take days to clear before I could make any purchases. They are trying to collect on a debt from 7 years ago. The debt is not even on my credit report but they are denying my purchase. Originally they said I didnt owe them and there was no records saying I do. Then they kept transferring me to different people who had bad phone lines where I couldnt understand what they was saying then I was transferred to the XXXX where she did not speak clear and her phone line made it even more difficult to understand her. Each time the representative kept requesting payments for 3 checks that are 7 years old. I just wrote a check last week to one of the stores they claim I owe money to from XX/XX/XXXX. I got it verified and it went through with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Loan Numbers : XXXX, and XXXX. 

After retiring in XX/XX/XXXX, we ( XXXX and XXXX XXXX ) received information from our lender ; OCWEN Loan Servicing, LLC ; about the HARP Program. After months of processing ( from XX/XX/XXXX ), an agreement was made and we proceeded as follows : XX/XX/XXXX/XX/XX/XXXX ; finalized new Loan Terms XX/XX/XXXX XX/XX/XXXX ;  made agreed to four month payment plan XX/XX/XXXX ; commenced new HARP Loan payments ( continues to present ) XX/XX/XXXX ; noticed 2nd Trust Loan ( XXXX ) not consolidated as agreed XX/XX/XXXX ; received letter confirming 2nd ( Loan ) paid in full ; during prior agreements in XX/XX/XXXX XX/XX/XXXX ; received a request for payment from new creditor ( XXXX XXXX XXXX XXXX ) We contacted OCWEN Loan Servicing, LLC ; they indicated we would have to discuss with XXXX XXXX XXXX XXXX We contacted them and their position is we owe them the value of the original 2nd Loan. WE then discovered that they are a wholly owned subsidiary of OCWEN. We told them we have a letter stating the Loan was satisfied ; their position is it was only transferred to them. They have harassed us for payment ever sense. We do not know what we can do and the harassment is becoming very unsettling.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
I receive daily multiple calls from this company and I have tried to tell them I am on the DO NOT CALL list. I keep asking they put me on their do not call list. Yet I still keep getting calls claiming I have something outstanding with them and they can help repair my credit. I want them to remove my number from their call list FOREVER and never to call me again. First they state they are with Helping hands and then they state they are with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NavyFCU offers cardholders fraudulent promotions wherein only those transactions in excess of a certain amount are subject to a promotional 0 % APR -- say, either {$500.00} or {$1000.00} for 6 or 12 months, respectively -- but fails to specify in the terms of the offers that these promotions create a situation whereby the only way to avoid paying interest on any purchases not subject to the promotions is to pay the balance in full, including any portion of the balance subject to the promotional 0 % APR. I made 4 transactions total on my NavyFCU credit card within the past 2 months, only 2 of which were not subject to a 0 % promotional APR. Despite making payments by the due date which were in excess of those 2 purchases each month, I still wound paying interest on those purchases. I have been informed today by " XXXX '' that the only way I could have avoided paying interest on those purchases was to pay the balance in full, including that portion subject to the promotional 0 % APR, rendering the promotions fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief