vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 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: IL

Complaint narrative:
As of XXXX 2018, I called Equifax to obtain a copy of my credit report. I noticed that their was incorrect information on my report a chapter XXXX and a chapter XXXX. I have written 3 letters in XXXX, XXXX, and XX/XX/2018 to Equifax asking how was any information verified. I have submitted letters from the federal court stating that they do not verify anything through third party companies yet on my Equifax credit report it states XXXX XXXX as the company. Equifax has not complied with my request to verify how and when was any information obtained and verified by them for me. This is a violation of my rights as a consumer. I am asking that the company send me a method of validation as to any of my information is obtained or they will have to delete the negative unverified remarks on my credit file. 
I noticed that I would get the automated response as I would sent in more items to prove I was me. On XX/XX/2018 I was told by an Equifax rep that my credit file was mixed and that was the issue. As it was separated I noticed that I had two derogatory marks on my credit report. The chap.XXXX & XXXX has remained despite all the letters I have sent and a letter from federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: CA

Complaint narrative:
Im a victim of identity theft I see several inquiries on my credit I didnt give permission to be ran, its holding me back now that Im trying get a home after being homeless due to my identity and credit issues holding me back from someone running my name on the ground Inquiries names : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX/caXX/XX/XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX 2times XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 4times XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 3 times XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX They are showing up on my trans union XXXX  and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OK

Complaint narrative:
I was falsely arrested/detained in XXXX County Oklahoma in the fall of XX/XX/2017 and put in a hospital for XXXX  health treatment. For conditions, I do not have. I was illegally billed for something I did not consent to. The charges were expunged. The hospital is illegally charging me for services I did not consent to, due to the false arrest and false imprisonment. The hospital sent bills to a third-party collection. agency XXXX XXXX XXXX in Florida. XXXX XXXX XXXX does not have the lawful authority under the Fair Debt Collections Practices Act ( FDCPA ) to report to the Credit Bureau an illegal charge from a business. I have challenged the bills/collections efforts, they have failed to respond in writing to my writing request, with the false arrest, false imprisonment and expungement of the charges. 
I filed a Federal Tort claim against the State of Oklahoma and the Hospital.

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 2018-07-31 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase is my bank and I have a credit card with them ending in XXXX. In XXXX of Last year someone used my card fraudulently to order clothing online from XXXX. I have a XXXX and was in the hospital at the time and when we received packages we didn't order, XXXX allowed us to use labels in the packages to send them back for free, which we did. They acknowledged the return via email and said they issued a refund but then they never ever did. We have tried to work with Chase since they are our bank and XXXX won't reply but Chase refuses to help. We have opened these disputes as disputes and as fraud and the close the case every time without even contacting us. I have asked them on multiple occasions not to call since I am very sick but they continue to do that. 
This is ruining my credit. I have stopped paying on the card. 
I have read over the fine print of my credit agreement and by law they have to support legitimate disputes and fraud cases .I have proved with documentation that these are legitimate cases and returned. XXXX refuses to reply with the tracking numbers, however, they did reply with confirmation of the returns which is enough to credit my account but Chase refuses and now the charges are getting older and older and nobody is doing anything. 

I feel some of this is discrimination against the XXXX since I am fully XXXX and can not call in most days or answer the phones and they take advantage of that. I have saved all correspondence with them and proof and all the times they have ignored my pleas. I need help. 

Please help me. 

charges are all for XXXX.com XX/XX/17 {$190.00} {$140.00} {$82.00} {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
The company is reporting this Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Which are incorrect my Legal and only name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
We moved out of our apartment on XX/XX/2017 and were protected from shutoff due to an ill family member who is XXXX and her XXXX needed to be refrigerated and we were experiencing financial difficulties. We provided our doctor 's certification and were protected from shutoff off since we moved in. At the time of move out our balance was {$1200.00}. We spoke to XXXX XXXX and they informed us that if we began to make payments of {$100.00} or more, we would not be sent to collections. We began to pay more than {$100.00} or more every month after move out. However, I noticed on my credit report that XXXX XXXX although receiving monthly payments directly from me, sent our account to collections and reported it the account as write off damaging my perfect credit affecting my chances of obtaining a home. We have never dealt with any collection agency and have been making payments before this account was written off.

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 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
In XX/XX/2009, I was notified of a default judgment against me by XXXX XXXX XXXX. I then went to court and filed paperwork based on the fact that ( 1 ) this is not me, and ( 2 ) I was never notified of any debt from XXXX XXXX. 

For many years thereafter, I would get a letter from a collection agency stating that I owe this and need to pay. I would then respond that this case was dismissed and I do not owe anything and I am not the correct person. They would not contact me again. However, they would sell this supposed debt to another agency under false pretense that I did owe the debt. Then I would have to do this again and again each time. 

I received another letter last XXXX from Resurgent Capital Services located in XXXX, SC. I responded that I do not owe this debt because I am not the same person, and this case was dismissed entirely. They did not reply. 

Then early this month, I received another letter from Resurgent Capital Services trying to collect this debt. However, this RCS is located in XXXX, MI. And they attached a copy of the default judgment that has no effect given the default was set aside and the case was dismissed. The purposely left out the fact that this case was dismissed and tried to trick me into thinking there was a judgment against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
NCB Management services is a company trying to collect on a debt that does not belong to me. The amount they are trying to collect is {$5600.00} dollars. I have asked for information to be provided to me to verify this debt. Under the Fair Debt Collection Practices Act I have the right to request validation of this debt. I request VALIDATION made pursuant to 15 USC 1692g Sec. 809 b of the FDCPA. This company is not licensed to collect a debt in Maryland.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I sent a letter to Dispute two collections from the company medical financials on my equifax credit report. I dont owe these amounts. I mailed supporting documentation that proves that information is inaccurate on my credit report. Equifax sent me a letter stating that collections would not be removed. My rights are being violated, I would like these collections removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There were two transactions on XX/XX/XXXX that were noted on my account as pending. When i checked the app even after XXXXXXXX XXXX onXX/XX/XXXX they were still listed as pending. Those 2 charges that were not recurring charges. I do not have overdraft protection. Which i was told on XX/XX/XXXX that they would only pay an item if it is a recurring charge and the others wpuld be rejected. as all of the phone calls are recorded. Chase bank never gave me an option to be able to cover the charge as it was still a pending transaction and not posted. Which they had the option to reject it but they did not instead found a way to charge me an overdraft. One transaction for. XXXX mobile was actually charged to my card on XX/XX/XXXX and was not posted until XX/XX/XXXX. And when i made the charge i had the money in my account. But it did not post until XX/XX/XXXX. But they changed the system on XX/XX/XXXX and said it posted on XX/XX/XXXX. They are illegally taking an overdraft fee for two charges by changing the dates around in their system and falsely saying an item was paid on time. The XXXX XXXX XXXX   charge was scheduled to be paid on the XX/XX/XXXX but was not paid to XXXX XXXX XXXX. They are illegally and falsely charging me and overdraft when they didnt pay on the date the sysytem is saying it paid.which was changed on the XX/XX/XXXX to seem as if they rightfully chargeed me and overdraft fee. On the XX/XX/XXXX all my charges were pending. And on XX/XX/XXXX the system says it was taken out on the XX/XX/XXXX. They are refusing to return my overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
This is my second complaint after i submitted the first the company has called me one time they have taken the first account manager that was helping me and stuck me with a lady whos ben on vacation longer than wat she has helped same thing she told me 2 submitt papers for loan modification never heard from her i call her XXXX XXXX never in so i call her supervisor XXXX always in meeting then i call XXXX XXXX supervisor never in no return calls i get a hold of XXXX about 2 weeks later for her to say paper she didnt get thats her famous line but she never calls to inform me of any information that they need she is in fact a XXXX she is always yelling rudely i asked for payoff she tells me to fill out papers then itll take 7 days to let me know because they dont send out monthly statement which clearly is a lie because i have one in front of me she stated that they sent out a statement to bring loan current pay this amount so i tried they would not excpect but she stated we have not tried to pay clearly lying run around run around

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX are reporting two collection accounts on my credit report one opened XX/XX/XXXX for the amount of {$54.00} and the second one opened XX/XX/XXXX for the amount of {$83.00}. I checked the Secretary of State website to see if this debt collector has a local general business license to operate in California as stated by the law and this company is not locateable as a Corporation or a LLC/LP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
Hello, This concerns from the very start of my refinance with my broker to be assigned to Loan Care as my new mortgage company. I was told by my broker that Id be contacted where & when to make a payment to my new mortgage company. When I finally was given the information & paymentbook I was already almost 1month behind .this made a instant problem. Ive tried with many phone calls to try to resolve this issue but its never been a permanent fix & peneltys & interest continue to add Ive never yet been 30 days late only 29. Im a XXXX man XXXX early had a great state job. I now early retired my income is my retirement & Social Security XXXX. Making almost XXXX less than I previously did. I live now paycheck to paycheck the only solution Ive been given by Loan Care is to make up the difference when I can.that is no resolve for me as I said you budget is very tight. Meanwhile I get added fees & runarounds & rudeness by select employees when I have to call in my payment the last time I called I got no where I then asked to speak to that persons manager only to get no resolve I then asked for their manager to get a name to speak to of XXXX but discussed as every time I call I just decided to try this route to resolve this ongoing frustrating situation I hope this can be resolved its been going on for to long. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Earlier this year, I had invested in the " XXXX XXXX '' XXXX, acquiring XXXX tokens in total. On the XX/XX/2018 I decided to withdraw these tokens, and sent them to my crypto wallet at " Coinbase.com ''. After waiting several hours and not seeing the transaction appear in my Coinbase account despite it being visible as completed on XXXX, I contacted Coinbase at which point they advised me that they in fact do not accept that form of token, were unwilling to return my transaction and that I should consider it lost. I went on to request that my issue be escalated which it was, and I received one more email stating the same as the previous. 
Since then they will not respond to my communications. I believe that this is a case of theft, regardless of how they try to hide it behind the guise of technological issues. They have access to my funds, which at the time were equivalent to somewhere between {$3000.00} - {$4000.00} and refuse to either credit them to my account or return the transaction to it's original location, something that in any financial institution would have been done automatically by appropriate mechanisms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I spoke with a paralegal at Protas, Spivoc & Collins LLC in reference to a debt that was reported by XXXX XXXX XXXX XXXX. This debt resulted when in XX/XX/XXXX a XX/XX/XXXX XXXX XXXX that was being leased by me was repossessed. The vehicle had 4 months remaining on the lease with a balance of {$1800.00} plus late fees and personal property tax. At that time, the balance to pay the debt was around {$4000.00} On the day that the vehicle was reposessed, I went to the auto tow location where the vehicle was taken and attempted to pay that balance and retrieve the vehicle to return it to XXXX XXXX. XXXX XXXX refused to accept payment, and the vehicle was sold at auction. 

After selling the vehicle, I received a statement from XXXX with a balance due of {$17000.00}. This amount includes balance on lease, property taxes and fees required to repossess and sale the vehicle plus the amount that represents the difference in the value of the car less the amount the vehicle sold for. The lease that I signed with XXXX clearly states the required payment amount due if in default. 

My complaint is that XXXX XXXX has turned this debt over to Protas, Spivoc & Collins but the amount due is in error. I have communicated this information with them and I am getting the run around. I wish to resolve this debt as it is affecting my credt, however I am only willing to pay the actual amount that I owe. 

I spoke with XXXX XXXX at Protas, Spivoc & Collins but I have not been able to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. It is now XX/XX/XXXX and it appears as if I have just bought my home. Through the course of this bankruptcy I have paid 12 to {$1300.00} per month which amounts to approximately {$50000.00}. My principle has not decreased and OCWEN states via mail they have only received {$8000.00} over the course of this process. They are threatening foreclosure if I do not pay {$8000.00} by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
First, I am a father of XXXX beautiful children and lost out on several houses due to the lack of communication, the unprofessional communication, and the misinformation provided to me by Navient. I currently have over {$230000.00} in school debt ( from XXXX and XXXX XXXX ). Last year, I was attempting to obtain the necessary information from Navient in order to qualify for a house mortgage. I needed documentation from Navient to provide to my mortgage banker to verify the amount of mortgage I could afford. My mortgage broker can confirm, that I spent several hours each week on the phone with Navient trying to obtain the correct information. It took several weeks to obtain the correct documents, which in return caused me and my family to miss out on qualifying for a mortgage and missing out on houses. The lack of professionalism and misinformation from Navient also caused the financing rates to increase ~1 % for the housing mortgage. Both myself and my mortgage banker attempted to obtain the correct documentation and loan repayment information from Navient. I even recall on one occasion, the Navient representative was threatening to hang up on me because I asked to talk with her supervisor. I can go on about how horrible my experience was and is with Navient, but words can not express how much sleepless nights I have had because of Navient. I even asked about loan consolidation to help save me money and was told I was not able to consolidate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 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: Atlanticus Services Corporation
State: PA

Complaint narrative:
I paid the account off via the third party collect dept XXXX XXXX XXXX with XXXX as of XX/XX/2018 when the payment processed of XXXX the remaining balance of the settlement offer of XXXX. I requested a letter stating it was paid and XXXX balance finally received that from XXXX XXXX  after a month. Disputed amount due with credit bureaus to get the XXXX balance reflected but XXXX is stating I still owe XXXX and that their collection company has not sent them any information that the debt is paid and I have emailed the letter twice and been calling to speak with a manager to get this updated for the last 3 weeks with no avail. I feel like they are trying to scam me by offering something lower I pay that but they wont update my report until I pay the rest, that seems like fraud. A bait and switch.

Company response to consumer: Closed with explanation