vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
2nd attempt : Although I have tried multiple attempts to resolve this issue with Experian via telephone, they continuously refuse to adhere to the FCRA rules and regulations. Experian also refuses to provide me with a Method of Verification that they used to determine both the validity and accuracy of the item ( s ) that that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violations that were committed by Experian ; yet, the remaining violations are listed in my attached documents. Furthermore, due to the severity of this violation I will also be filing complaints with the FTC, BBB and the Attorney General 's Office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I feel as though I am being taking advantage of for having a good credit score and making on time payments. Since entering repayment, with a payment amount twice the amount I was quoted, they have raised my interest rate 3 times. The latest is raised to 11 %. Thus after calculating my payments I will probably never pay this loan off. They are making it impossible to pay back my debt. I find myself considering default because I would benefit more from trying to lump sum buy out a settlement than ever be able to pay off this loan. If the interest rate isn't ever capped or at a fixed rate I will not be able to pay this loan off. I feel as though this is a trap to create a deeper hole of debt for students/consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
I had used paypal for ages for all purchasing and selling online.

I had 2 items that had cases open cases because of the item being damaged.

I called paypal and they told me to have the customer open a case and agree to a refund and that paypal would cover me for the amount. I did. 2 weeks later they are going back on their story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I took out a {$5000.00} dollar loan in XX/XX/XXXX from Lendmark Financial. I took the money out to start my now very successful business. 

I made the payments on time every month until XX/XX/XXXX when I was called by a debt solution company about renegotiating my debt. I agreed to enter the program as I had already purchased my home and car so I didn't think it would be a bad idea. The debt solution company XXXX XXXX XXXX XXXX XXXX told me to treat it like a bankruptcy while they negotiated the outstanding balances lower. A month later I received a summons from XXXX XXXX XXXX collection agency. The XXXX XXXX XXXX XXXX XXXX   company told me not to respond to it. I had an over 700 credit score at the time. Then XXXX XXXX  XXXX called me and threatened me and it made me extremely nervous. I was able to make the payments, it was never about not being able to make the payments so on XX/XX/XXXX I exited the debt program and made a payment to get up to date with Lendmark. I made this payment at the XXXX MD branch off XXXX XXXX. I called XXXX XXXX XXXX and asked what did I need to do to make the hearing go away. They sent me a form to fill out and fax back to them and I faxed it from a XXXX in XXXX PA. 

I found out later that they did not stop the hearing, and it went on and I did not show up to court and the judgment was awarded against me. I didn't have money to attain an attorney at the time and rather than go deeper into trouble with this agency I started making the requested payments to them. 

I made payments on time every single month for years. I then requested XXXX XXXX  XXXX to send me a payoff balance several times. All of my emails went unresponded to. I wanted to pay the remainder in full. No one got back to me. 

I had an automatic bill pay set up with my bank but I had switched banks. I missed two payments to XXXX XXXX   XXXX and they without my knowledge or permission pulled a large amount of money out of my bank account on XX/XX/XXXX This was way more than the balance owed. I have paid nearly 8000 dollars on this {$5000.00} loan. 

I have emailed them and called them repeatedly for an explanation and no one has responded. This place has turned my life upside down,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I thought I was only applying to one company when I got approved to buy the car. 

I've had CaptialOne credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( 7 ) related to my purchase on  XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : COAF - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 CAPTIAL ONE AUTO FINANCE - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: VELO LAW OFFICE
State: SC

Complaint narrative:
Velo law has hit my credit several times for the same debt. They change the last four of the account number to hit my credit numerous times even though its the same debt. When I dispute the debt and it gets removed the change the name of the debt collection agency and put it back on. They have single handedly ruin my credit and made it so I could not buy a house! The original debt from XXXX XXXX XXXX is over 7 years old and the collection debt is more then 5 years old. I have contacted them several times and pet them know the debt is too old for them to collect on!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I have been trying to move funds ( specifically, LTC ) from my Coinbase LTC Vault to my LTC wallet. However, I have lost access to my secondary approval email ( two separate emails need to be confirmed in order to approve the transaction ) and contacted Coinbase support to see if there was any way I could move the funds by some other means. After several email exchanges with their automated system, they stated a solution of : " Instead, we can move the funds from your vault into your wallet and delete the old vault. This will enable you to create a new vault and move your funds back into it.

I have just forwarded your case to our subject matter experts who can help. They will get back to you shortly. '' This was on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received any feedback or assistance from anyone on the Coinbase team.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
In 2014 I was unable to make timely payments on my XXXX XXXX account which was serviced by Citibank. The account was referred to collections and charged off. I hadn't been able to make suitable arrangements and each month the account updated as being paid late although no payments were expected since the account had been charged off. 4 years later I received a XXXX indicating the debt has been cancelled. I had not been contacted for any collection activity on the account in 3 years. The account is now handled by XXXX XXXX XXXX XXXX. Since this account was originally charged off, how is it now considered forgiven debt when the original creditor wrote the debt off as bad debt already?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: TX

Complaint narrative:
the Credit Reporting Agency, reported damaging information on my credit report and that my rights have been abrogated. I would like to see evidence that this information belongs on my report and In the event that no record exists, please delete this damaging information. 
Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: SD

Complaint narrative:
I was paying a collections company Definite for a bill from XXXX XXXX XXXX phone company and only had a one payment of {$110.00} left when they sold my collection to SW Credit Systems LP and they put on my credit report on XX/XX/XXXX for {$560.00} that was before I was to make my last payment after XX/XX/XXXX with the other company. That is XXXX they didn't let me finish paying them so it was paid off so they could charge me more interest and put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: CA

Complaint narrative:
On XX/XX/XXXX, i sent a requests to Equifax and XXXX to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from Equifax stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling Equifax on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called XXXX on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into Equifax and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Greystone Alliance LLC
State: NC

Complaint narrative:
They continue to contact me, my spouse and other family about a debt that they never tell me abouy. Only debt on my credit report are medical bills most others have been paid or canceled. They say they ha e filed a formal complaint and if no answers theyll contact the proper authorities for next legal steps for jail. I know its a scam but theyre ringing my phone multiple times a day several days a week and it interrupts my work day. The number is XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-02-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I thought I was only applying to one company when I got approved to buy the car. 

I've had XXXX credit cards for nearly a decade and my XXXX XXXX for 12 years before the transmission went out. At first I was happy when I learned XXXX joined with them as a lending partner. However only 3 weeks later I'm getting barraged by with hard inquiries ( XXXX ) related to my purchase on XX/XX/18. 

This also comes after I reported a screw was lodged firmly in my front-right tire of the XXXX XXXX XXXX I purchased. 

I haven't made an insurance claim. It could be coincidence after I scheduled an appointment to have the screw removed. Bottom line : Why all the sudden do I have all these inquiries? 

Reports are as follows : XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX - XX/XX/18 XXXX XXXX XXXX XXXX - XX/XX/18 XXXX XXXX   XXXX XXXX - XX/XX/18

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Machol & Johannes, LLC
State: OK

Complaint narrative:
Malchol and Johanson LLC Filed papers at the courthouse in my county threatening to sue. This was for a credit card from about 7 years ago. I set up a payment plan and made the first payment of {$100.00}. However in order to send them another payment they were supposed to send me a receipt that reflected the amount I paid. After several attempts to get a receipt, they still have failed to do so. Now theyve threatened me with my account is in default. After several calls today, still no reply.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Consumer Financial Protection Bureau is a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. Ive respectfully submitted a complaint # XXXX with The Consumer Financial Protection Bureau with the intention that CFPB is an independent federal agency built to protect consumers, write and enforce rules that keep banks and other financial companies operating fairly and also educate and empower consumers, helping them make more informed choices to achieve their financial goals. I believed in those goal and respectfully submitted my complain via your website complaint number XXXX in regards to what I believed was a direct violation of my Fair Credit Reporting Act 15 U.S.C 1681g ( I have the right to demand that Experian disclose to me all of the documents that they have recorded and retained in their files at the time of my request concerning accounts that is reporting in my credit report. ) Ive submitted my complaint on XX/XX/XXXX and received a companys response on XX/XX/XXXX with response type Closed with explanation. However, the response I received back from Experian did not fully address my issues or demands. Experian did not acknowledge the additional information Ive provided and the most current 3 disputes Ive submitted in the months of XXXX and XXXX in which I uploaded via your website proof of additional information which I provided to you ( Certified mail cards, debt validation letters I sent to the companies certified mail or my 3 previous dispute requests. I upload a total of 9 items and receive a Company response which ignored all relevant information coming from me the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
The original creditor is " XXXX XXXX XXXX '' and I have contacted them via telephone and was told that they had billed a different source responsible for my services than the usual one and that they would correct the billing to the one they usually billed.I was told that they would notify " TransWorld Systems Inc '' to Cease and Desist immediately.TransWorld Systems has reported this account to the CRA 's as a COLLECTION ACCOUNT to my credit files in the amount of {$1700.00} which has had a damaging effect to my credit record with the ( 3 ) reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I was a fitness member at the XXXX XXXX XXXX aka XXXX XXXX  XXXX XXXX located in the XXXX XXXX in XXXX, TN. In XX/XX/XXXX, I was getting ready to relocate to another area in the city and decided that I would no longer need my membership. I went into the fitness center and requested to cancel. I never signed a contract to become a member and there were no fees to cancel. XXXX told me that I would have to put it in writing. He wrote all of the information down and I sent a letter to have the payments stopped. Somehow in XX/XX/XXXX, a collection agency reported that I owe {$160.00}. The debt is inaccurate. I have never received a notice from XXXX XXXX XXXX XXXX or Aldous and Associates. The collection agency claims to have been reporting since XX/XX/XXXX and I have never heard from them. This information just popped up on my report in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I sent a letter to XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not validate nor prove that I am obligated to pay them anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/2017 i initiated a withdrawal from gdax ( the exchange operated by coinbase ). for an amount of XXXX. The withdrawal never landed in my bank account and coinbase has not responded with anything meaningful.

Company response to consumer: Closed with explanation