vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Ive repeatedly disputed the validity of debts from XXXX for {$59.00} and XXXX XXXX for ~ {$9000.00} with all three major credit reporting agencies with only temporary success because while neither company has adequately verified the validity of the debts within the allotted 30 days, neither debt has been removed from my reports. In fact, XXXX keeps reselling the debt even though their own records show that they continued to bill me after they verified that they could not provide services to my location. XXXX XXXX debt was usury in nature. The originator refused payment of the original debt from the US Dept of Vet Affairs which intervened to prevent eviction within a month after an unplanned job loss. The originator of the debt then tripled the fees and sent the item to collection. Ive repeatedly disputed these items since XXXX 2017 but they keep reappearing after brief removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I contacted XXXX that I would need to end my service agreement because I was in a car accident and wouldnt be able to work. At the time they agreed that they wouldnt charge me a cancellation fee, and to return the equipment. I did. The bill was gone over to me at around a {$300.00} balance, which was the final bill.They also said I was billed for months after I cancelled due to not returning the equipment, and when it was returned i would be credited. They told me someone would be calling to collect. I wrote to them on their boards plus called a million times over, to adjust what was promised. Then, all of a sudden the bill got larger then what I originally had. They said that I didnt return the equipment and had to open up an investigation. I did return the equipment, and had the drop off confirmation very early on in this whole roller coaster. So they adjusted the bill again. Then I called to pay it and the bill went up again, this time with bogus charges that they placed on my billing plan saying I was charged for things that were not a part of my plan to begin with. I have told them I am fine with paying what was promised but they have added {$300.00} in plus fees amounting to a {$550.00} in collections, when my monthly bill was up to date and only a measely {$70.00} to begin with, I have had promised phone calls back from management, and they never call. Plus the waiting time to talk has been well over an hour every time with never any notations added to the account as promised either. Which is very unprofessional to have to go over the case each and every single times with promises to resolve and its left unresolved. They promised me my account would be credited properly as well as no fee for canceling the service since I was in the hospital, and they re-nigged on the entire agreement and now their collection company is reporting to my credit causing havoc and un-allowing me to obtain financing. Its wrong and unfair to do business like this. Please help thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
I ask this creditor to provide me with documentation that i agreed and sign a financial obligation to pay them the amount they are reporting. I ask them to show me detailed notations of how the balance they are reporting was configured, including notifications, dates, invoices, receipts of damages paid. I sent 3 certified letters to this company, the first one was sent off on XXXX XXXX, 2017. The collection agency is not the original creditor, i 've reached out to the original credit as well but no no response. I 've asked for validation not verification, and a timely response, under the guidelines of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: PA

Complaint narrative:
ja m a Service Connected XXXX Veteran with XXXX  health diagnosis. I became unable to work full time and began to have financial hardships. I was waiting for unemployment and needed some money to carry me until it was approved. This was in XXXX XXXX XXXX. I contacted XXXX and told them about my hardship and asked for a loan of {$2500.00}. I was told that I had to take out {$5000.00} or more. When I took out this loan I was under duress and was confused about the terms and conditions. I asked what was owed on my account and I was told that I owe {$6700.00} which was {$1700.00} more than I borrowed even though I have been paying for a year. 

Loan Date : XXXX XXXX Loan Amount {$5000.00}

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

Complaint narrative:
On XXXX XXXX around XXXX XXXX, I wired {$20000.00} to XXXX ( Subsidiary of XXXX ) from my bank account at XXXX XXXX XXXX XXXX. Their website clearly states that wire transfers will be posted the same day if done before XXXX XXXX, and the next day if received after XXXX. I confirmed with their bank that my wire transfer was received and deposited with Coinbase within 30 minutes of being sent. 

I have sent literally hundreds of emails asking where my money is, and have only gotten a couple auto-replies, essentially stating that my case is being reviewed. The couple times I 've had the 4-plus hours to wait on hold to speak with a human being, I was told that phone support can not help with deposit issues. 

It 's been over 6 weeks with NO specific updates or acknowledgement. This is absolutely rediculous. 

XXXX # XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX : {$20000.00} Ref # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have tried to close my XXXX XXXX account with XXXX XXXX multiple times. My first time closing the account was at the end of XX/XX/XXXX, and I have tired closing it two additional times this most recent time is last Wednesday XX/XX/XXXX. I have not made a purchase using this card in over a year. The XXXX store no longer exists When closing the account I call the company and they assure me that everything is taken care of. After getting the confirmation over the phone after each account closing conversation, I continue to receive paper billing from XXXX and notifications about due payments. This has repeated itself from XX/XX/XXXX-now. When I receive these notices I call XXXX and they clear the charges and ask for the account to be closed. Then the cycle begins again with me getting notices about account payments. Now, my credit score has been effected. XXXX XXXX has filed a late payment on my credit history and my score has dropped. Not only has this been a nightmare of something to deal with, but now my credit score has dropped. I would like this to be corrected, and I would like to know if I am able to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
XXXX XXXX account is now in deliquency through credit reports due to them illegally charging the wrong payments on two differnt cards through XXXX XXXX not one twice but 5 months and payments in a row, i contacted them and never did they attempt to switch credit payment on the proper account leaving late payments extra interest and bad marks om my credit reports i cancelled card and tried to have situation fixed at that time when the woman from XXXX XXXX told me it was my word against theirs and they would absolutely deny payment on wrong accounts ever, my bank statements prove that for 5 months payments money was tajen out and put on my other XXXX XXXX account against my wishes and even doubled on same account payment twice in one month leaving my other account very late with extra interest and late payments i refuse to pay off a creditors extra amount of fraudulent charges i will settle with credit bureau for half of what i owe after thus horrible and lying episode from XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I agreed to pay my student loan by having it directly taking out of my checking account @ {$110.00} per month. I receive a letter in the mail XXXX 2017 stating that my student loan has been paid in full. I called Navient to see what that meant and I was told that it was only for one of my loans. The loan amount was {$750.00}. I asked how many months had they been takingXXXX out of my account? I was told 33 months. I wanted to find out is that ok or can they be made to reimburse me some of the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear Experian, XXXX And XXXX, Experian, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX DIST COURTBKXXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXX DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXXNOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back 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 non-monetary relief
Consumer complaint received 2018-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: CA

Complaint narrative:
I AM TRYING TO COLLECT EXTRA MONIES COLLECTED DURING ESCROW FOR THE PAYMENT OF FLOOD INSURANCE. I PAID A COMPLETE YEAR OF INSURANCE BEFORE ESCROW CLOSED. I AM PAYING A MONTHLY CHARGE FOR THE NEXT YEARS INSURANCE WITH THE PRINCIPAL PAYMENT. THERE WAS AN ADDITIONAL {$1000.00} COLLECTED IN ESCROW TO PAY FOR 2 MONTHS WORTH OF INSURANCE UNTIL MY MONTHLY PAYMENTS ACTUALLY STARTED. THE REMAINING BALANCE IS {$610.00} THERE IS NO REASON TO KEEP THIS AMOUNT. I HAVE RECEIVED 3 LETTERS STATING THEY ARE RESEARCHING. 
TO DATE -- NO RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed letters to XXXX XXXX XXXX AND XXXX XXXX for three collection accounts that I stated I did not open. The three accounts were for XXXX XXXX XXXX, XXXX XXXX AND XXXX XXXX. I requested proof of these debts to validate and verify and the only documentation that was sent to me was a statement and a balance that was on the account. There was no signed contract showing the account was mine. XXXX has since deleted these collection accounts because debt could not be proved.

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 2018-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
After sending a validation of debt letter to said company, i received a form asking for me to release my medical records to them so that they can provide me with what they used to verify the alleged debt. If i have to sign a release form so that collectors can prove a debt is mine, how was the debt ever verified? This company have not sent me any validation to this date but have a reported on my credit report a debt, that i have to sign for them to verify. This said debt does n't belong to me. I want physical proof of the original bill that they used to verify debt. not a request to release my medical records, thats inhumane, and an invasion of my privacy to ask for such. If they could verify the debt is mine they would n't need a release form, therefore they are reporting unverified information to the credit bureaus violating FCRA. Do not respond to me via email, mail, or phone, all response is to be via this website. Please upload proof of validation to this site or remove from all 3 credit reports. 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 explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Occ # XXXX PUBLISHED XX/XX/XXXX XXXX XXXX XXXX  I just discovered another listing of XXXX XXXX XXXX in my files on XXXX dated XX/XX/XXXX stating the property is owned by XXXX XXXX XXXX. 
( I've never done any business with XXXX XXXX XXXX  ) and would like some answers. 

At the top it gives the same listing property id XXXX that XXXX XXXX had on his purchase agreement that he presented to XXXX XXXX XXXX court time stamped XX/XX/XXXX @ XXXX claiming he bought the house for XXXX, and that I am absolutely sure was conducted in his handwriting. 

I notice at the top is XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX cell or XXXX XXXX XXXX I have never had any dealings with XXXX XXXX XXXX XXXX   XXXX XXXX listed and would like to know how they came into the picture. 
Please explain to the cfpb for me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchased a lock and installation from a vendor in XXXX CA in the amount of {$750.00}. Lock and key was never delivered from Vendor. Disputed the amount, and Citibank sided with the vendor. There was no protection against the fraudulant activity for us. They said we needed a credit slip which the vendor never provided. The vendor XXXX XXXX XXXX XXXX has done this to many others as their XXXX account indicates. Irrespective of this, Citibank would not take any action against them ( XXXX XXXX XXXX XXXX ). We have also file a complaint with the Bureau of Investigative services against the Vendor. 


XXXX XXXX, XXXX CITIBANK CONDITIONAL CREDIT FOR DISPUTE Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : XXXX Print - {$750.00} XXXX XXXX, 2017 REVERSE XXXX XXXX XXXX XXXX XXXX XXXX Collapse Details Additional Details Transaction Type : Purchases Posted Date : XXXX XXXX, 2017 Category : Services - BUSINESS SERVICES, NOT ELSEWHERE CLASSED Reference Number : 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 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I mailed a letter to DIVERSIFIED CONSULTANTS INC on XX/XX/XXXX stating that the account for XXXX XXXX did not belong to me. I requested that proof of validation and verification be sent to me right away. I received a letter from XXXX showing that the debt was valid and a statement was attached showing a balance but no verification that the account was opened or belonged to me. I requested a signed contract with my signature for the debt and it was not provided to me. So I am requesting that this debt be deleted from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have been dealing with Diversified Consultants damaging my credit and have tried to get this removed to no avail. I started researching and found that they were denied insurance by the state of Texas and therefore not licensed to collect in the state of Texas. Therefore not only are they damaging my credit and life but they are doing so illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear XXXX, Transunion And XXXX, XXXX, I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the FTC website, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Please review all proof of identity. 

Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX  XXXX XXXXI dont recall being late. 
XXXX XXXX XXXXThis is reporting inaccurate. 
XXXX XXXX XXXX XXXX XXXXHOW DID YOU VERIFY THIS AND THEY ARE NOT LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!!!! 
XXXX XXXX XXXX XXXX XXXX LICENSED TO COLLECT DEBTS IN LOUISIANA NOR DO THEY HAVE PERMISSION TO HAVE MY MEDICAL INFORMATION!!! 
XXXX XXXX XXXX XXXX XXXXI dont recall being late. 
XXXX XXXX XXXX XXXXInaccurate. Did not respond to my debt validation letter. 


XXXX, The Following accounts are listed under Medical!!! I 've reached out to these companies to provide me with a medical release form or to remove these accounts. They failed to respond. I am demanding XXXX to remove the following accounts because it is a violation of my hippa rights and the creditor failed to respond # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Please get back 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