vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 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: NM

Complaint narrative:
Please see attached exhibits regarding Equifax Information Services LLC. 

In XX/XX/2018, I suffered a credit file breach that resulted in numerous fraudulent credit applications in my name and using my personal information. The fraudulent applications were reported by the 3 major credit reporting agencies ; XXXX, Equifax and XXXX.

These fraudulent inquires were eventually corrected and deleted by the 3 reporting agencies, except one item by Equifax, that has NOT deleted the fraudulent inquiry. 

My letter and subsequent exhibits are spelled out in the attached PDF file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi XXXX XXXX  XXXX XXXX XXXX SD XXXX Dispute Denied on Citi Double Cash Card It seems from internet complaints that the business practice of credit card companies is to automatically side with merchants over customers. I was disputing an overcharge by XXXX XXXX XXXX ( XXXX ),  XXXX, Florida. It was supposed to be {$60.00} and I was charged {$240.00}. I claimed and proved that XXXX  had overcharged me. I went to XXXX County Sheriff 's office and they agreed that XXXX 's aggressive response immediately after my initial phone call, was suspicious. XXXX provided a case number for a report I filed about suspected fraud. XXXX  provided pages of blank boxes not filled with any price because they use an automated system. Other than a XXXX post that did not apply to what I was purchasing, they had no proof I agreed to the price they charged me. I did not receive a paper receipt nor did I see a total on the electronic signature pad. I didn't know I had been overcharged until I received the credit card statement from Citi. I initiated a dispute with Citi and provided overwhelming documentation including emails and a XXXX report that itemized the dispute. Citi didn't even read it. Citi sent a letter that stated that the merchant had to agree to refund the money. Really? That's the reason there is a dispute. Does this mean they can charge anyone anything and just not agree to refund it. Sounds like a formula for massive fraud. 

I understand that unscrupulous people make chargebacks for every reason, but I am not one of them and my credit report will document that. Citi has made an across-the-board business decision to deny all customer disputes unless the merchant agrees. The merchant can now charge anyone any amount and it will encourage and promote fraud throughout the world. Banks need to act in good faith with customers. And if it is true that this is an industry-wide trend, credit cards will cease to exist because if we can't trust them to ride herd on their merchants, we can't trust the system.

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 2019-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Select Management Resources, LLC
State: WI

Complaint narrative:
XX/XX/19 XXXX XXXX I sent a text message stating I had no money to pay. 
XXXX XXXX they called and I spoke to a rep explaining the same. 
XXXX XXXX  they called again and left a voicemail about the debt. 
this is violation of the fair debt collection act as it's a repeated call after I'd already spoken with someone earlier in the same day. This is harrassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
my RE taxes in XX/XX/XXXX it showed Paid, although my mortgage does not have a escrow account and for 18 years paid my RE taxes on time Bayview Loans prepaid the taxes in XX/XX/XXXX. they are deliberately adding expenses to the account by prepaying and placing forced homeowners and flood insurance on the property. I paid homeowners ins XX/XX/XXXX @ {$960.00} in XXXX Bayview purchased another policy with the same company and Bayview added {$960.00} in fees for a second policy. In XX/XX/XXXX i paid the homeowners ins In XX/XX/XXXX when i went to pay my flood ins. i find that Bayview had prepaid it. they are violating my load agreement by creating a escrow account and placing forced homeowners and flood ins on the property. Bayview filed foreclosure complaint in XX/XX/XXXX, the case was dismissed in XXXX discrict Court on XX/XX/XXXX. After months of not receiving any correspondence or monthly mortgage statements On XX/XX/XXXX Bayview proceeded to send me a bill for over {$20000.00}. I have asked several times to send a breakdown but they refuse. violations 1024.37 1024.34 1026.41 Regulation X

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MO

Complaint narrative:
XX/XX/2017 reported on my profile for a medical debt that I have or had no idea about. I have disputed and had investigated by XXXX   and XXXX which ended up not finding the valid so it was deleted from my profile, however Equifax has yet to remove/delete. They are still listing the debt which is impacting my profile after it has been found not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have hired a law firm to handle the illegal foreclosure that Wells Fargo is attempting. Wells Fargo is attempting to foreclose on a property and is intentionally delaying providing me, the executrix, with the information that I need to sell the property. Wells Fargo has attorneys at this time that are very well aware that I have the legal authority to sell the property. They recently sent a letter demanding information from me that is not required for them to know. This is an intentional delay, which is a bad faith delay. Wells Fargo owes the estate {$12000.00}. I have demanded that they show their " careful '' research in their denial by showing me the calculation from which the error came from. Wells Fargo has refused. Wells Fargo is justifying this by stating this is proprietary information. It is illegal to foreclose on a home when it can not be shown by the actual calculation that I am demanding. Since they are denying the calculation, it stands that the home can not be foreclosed upon. I am in the process of selling the home and have asked for a payoff amount. Wells Fargo is delaying the process and refusing to communicate with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. My credit report showed credit inquiries that I don't recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file. Please remove this inquiry from my credit report. 
XXXX XXXX : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: Westlake Services, LLC
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. My credit report showed credit inquiries that I don't recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file. Please remove this inquiry from my credit report. 
XXXX XXXX : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I have contacted this company 5 times in XXXX and XXXX and asked specifically to talk to a customer service rep to reset my password. They have made it impossible to access my account. I used two-step authentication and had a old phone number that I no longer have. The new number is not recognized by the Customer Service phone robot and it hangs up 100 % of the time. Coinbase understand that I do not have my old phone number and do not have my old XXXX Authenticator and they understand that my new phone number and new XXXX Authenticator do not work and will not ever work unless Coinbase takes some action. They send me the same old instructions over and over to use XXXX Authenticator and reset password. This fails now and will always fail since they're directed to numbers that no longer exist. They have refused to address my needs. They have refused to get me a rep to talk to. I want my money back from them and I want to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: GA

Complaint narrative:
To whom it may concern I am writing to request, that this debt please be deleted from my credit history report, You may verify with the source and I have included their contact details According to the Fair Credit Reporting Act ( FCRA ) Section 602 ( b ) I am permitted to have accurate and true information reflected in my credit report. To accomplish this I am requesting the collection from ( Penn Credit ) be deleted as it was on XXXX Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have disputed Portfolio with the credit bureaus XXXX of XXXX stating account number XXXX its not my account. Credit bureau said that account was verified as mines by Portfolio Recovery. I sent Portfolio recovery a certified letter XX/XX/XXXX that this is not my account and please validated the account as being mines. I have not received anything I sent out another letter XX/XX/XXXX and again nothing. How can they update status on the credit report without validating the account with me. Status update on my credit report XX/XX/XXXX and that this information is to stay on record until XX/XX/XXXX. I should not have to wait for this to fall off my report XXXX when this is not my account. Please have this company validate the account as I have asked several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: LA

Complaint narrative:
On Monday, XX/XX/2019 I received a sales letter from Village Capital and Investment, LLC. The letter was designed to mislead me, a veteran, into accepting an IRRR loan. 

I shared my information with them. I agreed to nothing. I was told I would be contacted the following day. I did a XXXX search and ran across this article. I am contacting to say that this company is still trying to swindle myself and fellow veterans. 

Please put a stop to this company. If I have any other complaints due to them now having my information and using it against my will what can I do in that situation? 

Thank you in advance for promptly answering my question. Have a blessed day!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Arkansas, XXXX Experian / XXXX XXXX. XXXX  XXXX XXXX, TX XXXX Re : Investigation Confirmation # XXXX To Experian Dispute Department To whom this may concern, I recently received your recent investigation results of the confirmation number that is above where you stated that the results from that investigation has been completed. '' As a result of your findings. " Im formally requesting in ( 15 ) days as required by FCRA regarding re-investigation the following documents specifically. '' Please send me the full arrangement ie, the 1. Contract with my signatures on it that says that 3rd parties are allowed to have my information that Id signed off on. Of which I know for certain that it doesnt exist because its not my debt for the following accounts below : DELETE XXXX XXXX XXXX XXXX XXXX DELETE XXXX XXXX XXXX DELETE XXXX XXXX XXXX XXXX XXXX XXXX v. XXXX XXXX XXXX, XXXX et al, XXXX Vs XXXX, and XXXX Vs Experian. All the courts merely said that The Credit Bureaus Can Not pair information from the Creditors and Collectors. They have to do and conduct a reasonable investigation on their own. Which means that XXXX XXXX XXXX, XXXX et al just can't use the XXXX System because its not considered reasonable. XXXX XXXX XXXX, XXXX et al can not just say that we went to the Creditor and/or Collectors and got this information and " they said that its verified '' and " we can say that its verified ''. No!

I'm sure that you are aware that the FCRA, allows damages up to {$1000.00} per each violation.

I am prepared to sue under the FCRA for non-compliance if this matter isn't handled amicably in ( 15 days ). 

And send me another credit report. 

Thanks!

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 2019-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
The Debt has reached the Statue of limitations. They sent me a letter and called continuously. I do not own the 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 2019-10-07 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: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I tried cancelling XXXX XXXX XXXX XXXX service in 2017. I spoke with an agent over the phone who acknowledged that my service was being terminated. XXXX continued to bill me for this service for almost a year afterward, even after I moved from the address where service had been initiated. I eventually got my service terminated but they wanted to collect {$140.00} for three months of service I did not use. 

At some point XXXX XXXX XXXX transferred this account to a credit collection agency called SEQUIUM ASSET SOLUTION. In response to a written notice I got in contact with this agency earlier this year telling them I disputed the debt. They stopped contacting me or so I thought. 

A few months later I started receiving call from a XXXX, NY number I didn't recognize. The agent asked who I was, but I asked them to identify themselves before I confirmed my own identity and they would not, saying only it was a private matter. Because I didn't feel comfortable confirming my identity, they hung up, and I had no idea what it was about. Then, yesterday, I see a delinquent account reported to XXXX and since those XXXX calls stopped, I now assume they were about this XXXX XXXX XXXX XXXX charge that I've been disputing for over two years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XXXX XXXX account XXXX I never received the sim card and never use XXXX XXXX 's service for even 1 minute. I cancelled the account as soon as i realize the t mobile service will not be feasible ( as sim card never came ) Both of their representative were able to prove that and settle my account. Convergent cointinues to send me letter saying i owed them {$120.00} and claimed i used such service. This is false statement and wrong 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 2019-10-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Unfamiliar things on credit report after selling XXXX XXXX XXXX XXXX Inquired on XX/XX/2019 called couldnt verify USAA SAVINGS BANK Inquired on XX/XX/2019 no new inquiry made on account XXXX Inquired on XX/XX/2019 couldnt verify XXXX  Inquired on XX/XX/2019 no new inquiry on account XXXX XXXX Inquired on XX/XX/2019 called could not verify USAA SAVINGS BANK Inquired on XX/XX/2019 no new inquiry XXXX   CARD Inquired on XX/XX/2019 called couldnt verify

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: CA

Complaint narrative:
{$60000.00} U.S Department of Education/ XXXX XX/XX/11 : opened US DEPT . OF EDUCATION/GL XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I got a phone call about our lending company, Navient, that there is a lawsuit against them because of mishandling of student loans. 
We have had this loan for approximately 17 years and have been always on time with payments. 
I would like information if possible about this lawsuit. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
I need statement copies for my checking account with Suntrust, now closed. These documents include from account opening until closing. These are needed for accounting purposes.

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 2019-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I've heard their under investigation for student loan circumstances. 

I want to protect myself in case their actions have led to financial disadvantages.

Company response to consumer: Closed with explanation