vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-24 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: ORG GC GP BUYER, LLC
State: TX

Complaint narrative:
Dear Sir/Madam We received your collections letter dated XX/XX/XXXX. 

We had got the service from XXXX back in XX/XX/XXXXfrom XXXX XXXX we were assured that the service in XXXX would be superb and if not satisfied we could return everything back online iwithin 14 days for a full refund. 

Upon arriving in XXXX, XXXX the service was extremely poor. 

We called customer service on the 13th day and were asked to return all the equipment the nearest XXXX store which we did and asked the person there to cancel everything one of the phones we didnt have the box a XXXX phone so we decided to pay for the phone. 

He accepted everything and asked him also to cancel the service and we had also asked the customer service rep at XXXX to Cancel the account. 

We paid what we used and called it quits. 

Couple weeks later we receive a bill and I went to a XXXX store spoke to a rep who asked me to call th toll free number to inquire and were told the account was cancelled but there was an outstanding again I paid like XXXX $ on XX/XX/XXXX and was told no other outstanding. 

By this time I had already spent 10 manly hours calling the toll free number and visiting XXXX stores back and forth. 

Suorisingly a month later I get another bill so I make a call to XXXX where I was told I would get a call back in 24 hours after waiting for 1 hour talking to several CSRs but no one called me back. 

Once again we called about 4 times and visited the XXXX store 3 times and every customer care rep said that in the system it clearly says that we had said to stop thyou account then why was one number still not cancelled my question is how do I know what th CSR puts in the system and that one line was never used but we were getting billed fo when w had requested to cancel the account. Every time I was told that my bill would be adjusted and there would be no more payment that would be needed to pay but I kept on getting a bill after when that account was cancelled. 

I have seen this practice by XXXX and a lot of people have complained regarding this in the past. 

I am forwarding this email to my lawyer also for malpractice and the FCC. 

Kindly go their system where you will see how many we called after that now the bill from XXXX to XXXXand finally XXXX. 

Thanking you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Acceptance Rentals, Inc.
State: FL

Complaint narrative:
This account has inaccurate information date opened XXXX2013 with a balance 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 2017-12-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax has admitted that my credit file has been breached. They are distressed with me since they knew my file was breached over two year ago, and they are charging me for monthly monitor. Why is it that Equifax are getting away with ruining consumer lives? Thieves are using my information all over Georgia with impunity. I have been targeted by criminals about two years ago, or so. They are mendacious saying this breach started in XXXX 2017. 
In fact, this is a bold face lie. Earlier this year someone got a XXXX card in my name, they did an address change first, then got the card. 
They are still with this trickery and foolery. I need to know what could be done to Equifax criminally. I filed a complaint against them with the Consumer Financial Protection Bureau. Within hours they put thirteen ( 13 ) negative accounts on credit file. Those accounts are either, fraudulent, my daughter, or my son. 
However, it didnt matter to them because it is vengeance, and revenge against me for filing that complaint, and letting other consumers know the breach took place earlier than the timeframe they told us. This is unacceptable and unenforceable, and this is an unscrupulous bid by Equifax to inject itself from legitimate deed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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:
I am writing in reference to a released tax lien that is reporting on my Equifax credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filled numerous investigations in efforts to having this public record removed both by phone and by letter. Most recently XXXX and it came back " Verified as Accurate ''. This same released tax lien was removed from XXXX and XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear on credit file. Equifax has not updated their information and per the new law the Released Tax Lien listed does not include all the required information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I have a I do not recognize XXXX XXXX XXXX XXXX # XXXX account. I had previously disputed this account. I have never done business with XXXX XXXX XXXX XXXX # XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I owe. I request that XXXX XXXX XXXX XXXX # XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 2017-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have funds available in my checking account at TD Bank that I can not access, I have paid them what was owed and closed my account but they refused to close it and will not release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
I am in debt of XXXX in regards of a medical bill that i honestly dont remember .. i do Know that Im at not able to pay this balance but i would like a ok credit,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: MO

Complaint narrative:
I applied for a loan with Big Picture Loans after receiving a mailer about being pre-approved for a loan. I was trying to get caught up on utilities after paying for my daughter 's XXXX XXXX, and thought the loan would help. Because I was so desperate for the financial help, I did n't really understand the APR that I was agreeing to. I was approved for a {$720.00} loan, at an APR of 486.8782 %, on XXXX XXXX, 2017. So far, I have made four payments in the total amount of {$350.00}. Of that total amount, {$340.00} went towards interest fees, and only {$3.00} has been applied toward the principal. I understand that I agreed to the contact, but I am now facing extreme financial pressure to maintain the bi-weekly payments of {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
UDAAP violation from Synchrony Bank through their online banking platform. 

I made a payment through Synchrony Bank online banking which showed that I was due for XXXX XXXX. This was on the XXXX of XXXX. 

Thursday XXXX XXXX I was sent an email from them saying I missed my payment. Friday XXXX XXXX I was sent a text from them saying I missed my payment. 

XXXX XXXX XXXX I was able to call Synchrony Bank. The automated system said I was due for XXXX XXXX. Although the automated system and a phone representative said I was due for XXXX XXXX payment. 

If I did not pay until XXXX XXXX I would have a credit report. They did give me an e-mail and text but they were in direct contrast to what their online banking, automated system, and employee told me I was due for. 

This is a deceptive practice.

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 2017-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MO

Complaint narrative:
I opened a credit card with Discover bank in XXXX. Up until late XXXX, I was a great customer and never late on my payments. In late XXXX, I became XXXX and endured a very complicated XXXX. During that time up until late fall of XXXX, I was unable work and I did not have any income. This resulted in my becoming delinquent on my payments. I regained employment in XXXX, and in XXXX XXXX I spoke with Discover and settled the balance owed. The terms of the settlement included that I would pay 1 lump sum payment and Discover would update the account to the status as paid in full or delete the account from my credit in its entirety. I specifically requested for the account to not have the coding of settled and that all negative reporting be deleted, so that my credit can be restored at maximum opportunity. I have been going back and forth with Discover for 2months and I have not received any responses. Additionally, the account still reflects a charge off balance and shows settled. This is not what we agreed upon. I feel as if Discover has taken advantage of me. I paid what they asked for me to pay and they completely disregarded the agreement that we had in terms of settling the account. 
I want this account either deleted or update as paid in full with all negative reporting removed. Also, I want those phone conversations reviewed, because I am most certain that they agreed to the terms that I have stated. I have also attached proof of where my account is still referencing charge off and settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
I was a resident at XXXX XXXX XXXX Apartment Complex in  XXXX, TX. 

I was planning on moving out within the next 3-4 months and my lease was ending in 30 days. The leasing office advised me that it would be more economical if I renewed my lease to keep the 12 month rate, as opposed to month to month and I given I provided notice I would not be hit with any move out fee 's or the like. 

When I moved out, I was charged 2 months rent and it was pushed to collections. The lady working in the leasing office was new at the time and advised me incorrectly. As a result, I 've had to suffer with a collections balance from Hunter Warfield. 

They call my phone constantly despite telling them I am not going to pay and to take me off of their list. I blocked their number but they keep calling on other numbers. 

I have never had any issue with collections besides this bill. I 've always remained in good standing and have been issued credit cards from all the major banks, without defaulting on any payment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
Back in 2015, I was taken advantage of emotionally when my dog suffered a XXXX XXXX. I took him to the hospital where I was informed they would only take payment in full, up front, and without letting me use my chosen form of payment. I was directed to XXXX XXXX as my only option and opened a line of credit. After many months of payments on time and at least the minimal amount requested, I had to move across country ( from XXXX to XXXX ) in order to secure new employment. Prior to leaving my house, which was since put up for sale, I paid up front, at least 3 ( {$750.00} ) months worth of minimal payments, with the impression that would satisfy them until I stabilized in my new location. This was not the case, as they 've reported a missed payment from me to the bureaus, toppling my 700+ score by at least 90 points, nearly denying me a loan I required to close on my sale of property, and forcing me to seek a predatory loan to cover costs by putting my car as collateral. On top of that, I 've received at least 2 calls per day, including today, XXXX XXXX, trying to collect. I have mailed a paper check to them on the XX/XX/XXXX, which is due before the next statement period.

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 2017-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is NOT my address and I have never lived at this address : XXXX XXXX XXXX XXXX XXXX CA, 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 2017-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-25 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: TX

Complaint narrative:
cra violation inaccurate information 
not mine please remove
sent po report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25 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: TX

Complaint narrative:
cra violation inaccurate information 
not mine please remove
sent po report 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 2017-12-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
[ RE : Capital One Account ending in # XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that XXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. A Police Report was filled with The XXXX Police Department on XX/XX/2017 with Officer XXXX, Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: KY

Complaint narrative:
AES, once again has " lost '' my student loan deferment forms, which have been submitted via fax and email sinceXX/XX/XXXX.The company through which I borrowed the funds XXXX has dissolved, through bankruptcy. I had 7 LOANS through My Rich Uncle ( XXXX-XXXX ), which in XXXX'sBANKRUPTCY ( XXXX is also dissolved ) were sold to different purchasers, resulting in the lack of correct current loan owner deferment forms being available to me at AES. When I contacted AES, the customer service department mentioned I should utilize the bankrupt XXXX deferment forms to request deferment for all of my loans, which I submitted repeatedly. 
Now in XX/XX/XXXX, the 7 My Rich Uncle ( XXXX-XXXX ) loans are in default. AES listsTHE CURRENT OWNER OF THE LOANS AS FOLLOWS:6 of the loans are owned by XXXX dba XXXX XXXX, while one of the loans is still listed by AES as owned BY BANKRUPT XXXX. 
ATTACHED TO THIS COMPLAINT is one of the deferment forms submitted duringXX/XX/XXXX-XX/XX/XXXXrepeatedly via emails.THE ATTACHED FORM was received from customer service in the Fall of XX/XX/XXXX and thus was reconfirmed as the correct form to submit it has an account number PRINTED in the footer area of the file. I CALLED AES to ask for an updated deferment form ; AES INSTRUCTED ME TO USE THE SAME Bankrupt company-XXXX-DEFERMENT FORM THAT I HAD ALREADY sent many times to AES which, as mentioned it confirmed ss the correct form.AES MENTIONED THAT IT DOES NOT UTILIZE THE STUDENT CLEARINGHOUSE TO CONFIRM IN-SCHOOL STATUS OF BORROWERS AS OTHER SERVICING COMPANIES UTILIZE. 
The DEFERMENT form I sent AES during the summer and early Fall of XX/XX/XXXX was scanned into a fax and sent to AES via fax and email simultaneously in PDF format.I thought sending the form via fax and email would eventually work ; I received confirmation in XX/XX/XXXX that AES RECEIVED successfully at least one PDF email attachment which would be processed soon.AES provided more than one email address and fax number to send deferment forms.I sent deferment forms to every address and number provided.AND WILL KEEP SENDING FORMS until I receive notice to stop. AES COMMUNICATION FAILURE ON MULTIPLE LEVELS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I can not access my coinbase account : www.coinbase.com, The website will not let me login in the past past 21 days. 
The account uses my email address ad they do have my cellphone number ( for the second password ), my Driving license, my last bill, my photo I asked them more than 30 times through email, website-help tool, and 3 times phone request and they did not reply to any of my requests. 
I informed them that I wanted to sell my bitcoin and I need the money that I have in MY account, and I can provide whatever evidence for the identification purposes if the issue is because of that, but I have not revived any reply. 
I also asked if it is possible to provide me the reason beind blockng my account, but they have not replied either. 
I also informed them two weeks ago ( when the price of bitcoin was 50 % more of today ) that I want to sell my bitcoin, and I need the money ASAP, and I could provide them with any information that they need to open my account, but they did not replied back. 
After talking with them on the phone ( almost a week ago ),  their representative told me he can not help me at all, and after I said " Should I talk with a lawyer? '' He replied " No I wont do anything '' and then he hang out the phone. 
Again, I emailed them and beg them that I need the money, and I am XXXX and I need my money back, and this is not ethical to keep my money for no reason, they simply blocked my email so I can not submit any request any more. 
At time I had access to my account I had more than 9K in my account, all of my saving, and wanted to cash them for the new year, and they did not let me. 

I do not have any option in mind, they did not provide me with a single reason for blocking my account 21 days ago, and keep asking them they simply do not care. 


** I PUT MY FIRST AND MY LAST EMAIL AS A REFERENCE TO THIS REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
on the XX/XX/XXXX jcpenney a hard inquire on the XX/XX/XXXX XXXX XXXX hard inquiry on the XX/XX/XXXX XXXX those are hard inquires from my XXXX i did not authorize i lost my wallet and all my personal information was in there and someone used my info. 
same with origententant i guess someone tried to apply for an apartment in my its also on my XXXX and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief