vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Company
State: PA

Complaint narrative:
X/XX/2017 XXXX XXXX XXXX sent a couple of bills to credit Credit management Company located at XXXX XXXX XXXX XXXX Pa XXXX ( XXXX ) XXXX. 
I disputed The debt collection due to XXXX XXXX never submitting claims to both of my medical insurance with XXXX XXXX and XXXX. They removed them from collections in XX/XX/XXXX and sent to be paid. Once again they sent straight to collections without even a phone call or letter for me to dispute or even set up a payment plan. I noticed it still shows the original date of collections filed XXXX XXXX/2017. But that was canceled and removed so the bills can be sent for processing. Once completed with the claims processing and payment to XXXX XXXX this would start over from XX/XX/XXXX as month 1. I contacted XXXX and once again claim it filed. I keep being advised from management co the original creditor have to remove from collections and was responsible to advise of the collection. I have not received anything from either parties after claims were submitted in XXXX 2017. 
Shows a balance of {$420.00} Re filed XXXX XXXX, 2017 not four months ago. This is a fraudulent charge

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
This company appears to be incredibly corrupt. When I was in high school, my parents unknowingly used this company for the majority of my loans, probably believing they were connected to the state itself ( as indicated by the company 's title ). When I graduated and did not have a job within my career, they did not allow any income based repayment or deferment, so I was forced to pay $ XXXX monthly from about a month after I graduated ( this does n't include federal loans I also owed ). I graduated almost 7 years ago, and my payment has only moved down to {$490.00} after consistent monthly payments since then. Roughly, I have already paid them over {$40000.00} with no late payments, and my balance is still somehow greater than {$40000.00}. I feel completely entrenched by this company, and there is no end in sight because they are a private loan provider. Their website is horrific, their customer service nonexistent, and I ca n't find any information about the company 's " acting director '' except that he provided incentives for students to write 5 star reviews on XXXX XXXX. I just believe something needs to be done about these business practices, and the source of their income needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: AZ

Complaint narrative:
A debt company called XXXX XXXX reported a claim to my credit report, and kept calling me repeatedly with alleged debt, I sent a letter asking for validation of the debt, which should under my rights of FDCPA include 1. The  agreement bearing my signature stating that I have agreed to assume the debt 2. Proof of statute of limitations that has not expired 3. Agreement with the creditor that authoritezed them to collect on this alleged debt and a few more, in repose to my letter to proof validation of debt this company only sent a screen shot of there computer screen which does n't included anything I asked and not does it validate the debt, they also sent me a list of states they are able to collect and my state was not one of them, I called the number provided XXXX to ask why they did n't send the proper documentation, they kept transferring me from agent to agent after about 5 transfers and no answers to my question I asked for a manager and I was denied, and I kept getting talked to in inappropriately and hangued up on. This Company needs to find ways to better assist consumers.

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 2018-01-07 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.

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 2018-01-07 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.

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 2018-01-07 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: AZ

Complaint narrative:
I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: AZ

Complaint narrative:
I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

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 2018-01-07 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: AZ

Complaint narrative:
I am a victim of identity theft. My XXXX XXXX XXXX XXXX credit account # : XXXX is lost/stolen and has over {$22000.00} in fraudulent charges/transactions that arent my charges. My XXXX XXXX/XXXX XXXX XXXX XXXX XXXX credit card account has {$500.00} in fraudulent charges/transactions. The {$500.00} is fraudulent charges/transactions and arent my charges.

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 2018-01-07 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: AZ

Complaint narrative:
Equifax permanently deleted and blocked the following account from my Equifax credit report between XX/XX/XXXX-XX/XX/XXXX. The following account and late payment is showing up on my Equifax credit report again : XXXX XXXX XXXX XXXX account number # : XXXX for {$5100.00}. I have no child/children. XXXX permanently blocked this account between XX/XX/XXXX-XX/XX/XXXX. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I submitted a withdraw request from Coinbase. After fees, I should have received {$7800.00}. Coinbase claimed to have processed the wire on XX/XX/XXXX. Coinbase also claimed I would receive the wire transfer on XX/XX/XXXX. There was no mention of delays at the time of withdraw. 

On XX/XX/XXXX, Coinbase changed the process date of this transaction from XX/XX/XXXX to XX/XX/XXXX. I have requested information showing that the wire has been initiated so that my bank can confirm. I have not received the withdraw or a response from Coinbase indicating that they finally processed the wire transfer. The withdraw is now 18 days ( 10 business days ) late of the time ( XX/XX/XXXX ) I was told it would arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX-17 My husband and I we 're trying to refinance our vehicle thru XXXX XXXX XXXX. We were approved only to be called an told they could n't because our current company XXXX XXXX was n't FDIC Insured. We asked if their company would still show on credit or affect and they said no. Well that was n't true. Dropped about 20-30 points ot seems and we 've worked hard at fixing our credit. We really need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am writing to report unexplainable fees charged on my XXXX XXXX XXXX XXXX credit card. It is my financial habit to pay off any charges incurred on my XXXX credit card within the allotted time to avoid interest charges for current purchases. On my XXXX 2017 XXXX 's account statement, I received a fees charged for the amount of {$2.00} on an account for which I had a zero balance. I took action and contacted customer service to inquiry about the fees charged on XXXX XXXX, 2017 @ XXXX XXXX However, no one could explain what the fees were for or why the fees were incurred in the first place. They agreed to waive the fees but I had to pay the unexplained {$2.00} prior to the XX/XX/XXXX statement due date to avoid incurring interest at 29.9 %, and a late fee on the unexplainable {$2.00} fees charge on an account that has a XXXX ( XXXX ) balance. I took action to protect my good credit reputation and paid the illegal fees charges of {$2.00} in XX/XX/XXXX. Please note something fraudulent is happening with the XXXX 's account. Because the illegal fee amount is small, perhaps the company is hoping it 's customer 's will overlook it. Yet, if unexplained fee of {$2.00} by the number of customers who have a XXXX 's account, the fraudulent charges could bring in a hefty sum.

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 2018-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Caller ID showed Unknown, I answered the call at XXXX XXXX  on XXXX XXXX, 2018. A woman calling from XXXX XXXX. This is regarding my XXXX XXXX XXXX and I am aware of the delinquency, have made a partial payment. Past due is LESS than 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XXXX sent me a letter stating that I owe for a credit card the credit card has been closed for at least 5 years and now they are sending me letters the debt is for XXXX dollars maybe little less and all they asking is for my money If the card was closed with a {$0.00} balance how did it get to that amount and they call from various places different numbers And they claim a bill was paid from my own personal checking account when the card was closed how can someone take out money from my account and I would not know that dosnt even make sense They are not doing nothing but wanting money from me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: SC

Complaint narrative:
I received a phone call at XXXX on XX/XX/XXXX from XXXX XXXX regarding an outstanding balance of {$5300.00} under my last name, social security number, and date of birth. The debt was missed payments by XXXX XXXX, the tenant, for an apartment at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I informed the representative that I did not co-sign for the apartment and have never resided at that location, or in the XXXX area. They asked me to file a police report for Identity Theft, which I did on XX/XX/XXXX at XXXX with the XXXX XXXX PD, Case # : XXXX, to start an investigation and sent a copy of the report to Hunter Warfield 's email along with a copy of two forms of identification and additional documentation. I also filed a report with the FTC on the Identitytheft.gov website. I had not heard back from Hunter Warfield through email or telephone, and never got an answer when I tried calling or left a message. On XX/XX/XXXX I received a Credit Report Update through XXXX that XXXX XXXX had flagged my account as UNPAID for {$5400.00} on XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: MD

Complaint narrative:
The original principal amount of the mortgage in XX/XX/XXXX was {$530000.00}, as at XX/XX/XXXX when Statebridge took over, the monthly payment was {$3600.00} and was for the 30 yr term, we were behind on payment for couple of months and the outstanding was added to the principal balance. Statebridge did a loan modification, and extended the term to 40 yrs, so instead of a maturity date of XX/XX/XXXX, it was extended by 13 yrs to XX/XX/XXXX. They gave us a supposed relieve to $ 2604 monthly payment for 5 yrs and then {$3600.00} for the remaining 35 yrs at an higher interest rate, which is a rip off. Also the " the interest rate will reset to rate of the original note is ambiguous and deceiving, because even though the rate at origination of the loan was 5.95, XXXX XXXX had reduced the rate to 4.95. Statebridge made us believe they were helping us with modifying the loan but they actually hurting us on the long run, this is a sharp practice that needs to be investigated, the loan has been sold many times afterwards fro profit at our detriment, now they new service XXXX XXXX was us to start paying {$3600.00} at a rate of 5.95 instead of 4.95 as received by Statebridge for the remaining 35 yrs. If we had understood the implication of what they made us sign we would not have signed their deceptive loan modification in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Quicken loans or known as XXXX, through hard background pulls, pulled my credit 2x in 2 days which lowered my FICO score by 150 points they claimed that was not possible but hard pulls happened to be the only change and I was STUCK using them bcuz other agencies would only affect in additional negativity on my credit report because of this I was not able to get a conventional loan for which I previously qualified. Of course lies were made promising this would be looked into and corrected but when I pushed for results and correction updates I was told that the only thing they can do IS RERUN my report which would n't help me at all and would most likely make my rate higher ... I was disgusted but unable to do anything ... the option they offered was to refinance in 6mths through them ... this must be stopped they lied az well as raised rates after the facts. I would have sued but they knew I was n't able to afford it after adjusting my fees and constantly changing where money was going to and from ... people should n't feel so hopeless and I was n't able to get them to remove one of the hard pulls asked for help received none

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: DISCOVER BANK
State: AZ

Complaint narrative:
According to my XXXX Credit Report, DISCOVER made a credit inquiry to XXXX in my name on XXXX XXXX 2016. This inquiry resulted in DISCOVER declining an application for credit that they believe was submitted to DISCOVER by me. I have not ( ever! ) made a credit application to DISCOVER, and the application which DISCOVER received was not made by me ( or was an error made by DISCOVER ). 
I have written to DISCOVER and asked them to provide information about this request for credit, and to have DISCOVER remove this item from my credit history. DISCOVER have responded without providing ANY of the information I requested, and have stated that their information is correct. This is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA FAIR COLLECTIONS & OUTSOURCING are required to " ... promptly DELETE all information which can not be verified. ''

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 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I transferred XXXX litecoins worth {$13000.00} at the time from an external account. The funds were confirmed received in my Coinbase account. Coinbase then automatically transfers these funds to my XXXX account. However I received 2 emails one saying it was successful and one saying there was an issue and I will have to manually transfer it. The problem is now my XXXX litecoins do n't appear in either my Coinbase or XXXX account. I opened a ticket with coinbase and have yet to receive even an acknowledgement that they are working on this problem. It has been 5 days since the funds have been missing. Therefore I have been unable to buy or sell anything for 5 days which has also cost me opportunities. I know I am not the only person having this issue as there are several people who have posted on XXXX about this same issue and it has yet to be addressed or acknowledged by anyone at coinbase/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: CONTRACT CALLERS INC
State: NY

Complaint narrative:
XXXX XXXX falsely reported my residence at XXXX XXXX XXXX XXXX in XXXX XXXX, NY XXXX. 

Contract Callers has placed a fraudulent {$330.00} charge on my credit report. This is not my account, these are not my charges. I live over 72 miles away from that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Outsourcing, Inc.
State: NC

Complaint narrative:
XXXX hospital in XXXX NC on XXXX/XXXX/XXXX mind you even after Im making payments and Im going attach the one from XXXX showing it was posted in fact on XXXX from husbands acct for {$25.00} appplied toward my {$500.00} balance which now remains {$470.00} owed left. So XXXX still sends ROI letter out with date on top of XXXX same day the check posted for payment {$25.00} this is poor on XXXX part.

Company response to consumer: Closed with explanation