vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-25 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: TX

Complaint narrative:
XXXX and Experian keep returning with the same old " that XXXX has certified I owe the debt and they have verified that it is mine '', etc ... 
Experian has removed one of the charges that are being treated as individual accounts. I'm still waiting on the other three. 
XXXX  just comes back right away with their generic responses. As of this date they will not re-investigate my complaints. I only just got their XX/XX/XXXX confirmation # XXXX. 
XXXX on the other hand, has three showing as closed.

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 2018-06-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
In XXXX of this year I applied for the IBR and had not revived a response on approval. I was offered forbearance and felt forced to take it as a result of not being able to get a hold of Navient. Despite harrassment almost every other day with them filling up my inbox they never called or sent a physical letter until last week threatening action with wage garnishment or tax penalty and so on. I did attempt to reply to the email and it was not responded to. This has effected my credit score drastically and it's become damaging to the point where it is impossible for me to rebound back from. I have never had an issue before and I was always able to renew my IBR yearly. I was told I needed spousal signature but we never able to log in. Either times it was submitted. Evn after I have gotten a ton of emails saying I owe more and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
I sent in wrong file on the previous case. Reference case XXXX I am attaching new information police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX is illegaly attemptinh to collect on an unverified account which is in dispute. 
I have a dispute entered with the credit bureaus on this accunt and received paperwork for a judgement/ garnishment wages in the mail today.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have requested TransUnion to removed 4 unauthorized inquiries from my credit report last week. 
XXXX  date : XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX date : XX/XX/XXXX. 
They wont do it and its not my fault what happened. Its their responsibility to removed authorize/fraudulent inquiries and they dont want to. 
I have no problem with XXXX, there were great but TransUnion it being so unprofessional. 
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 2018-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diverse Funding Associates LLC
State: AL

Complaint narrative:
They call continuous and I finally answered today XX/XX/XXXX and they told me very rudely that I owed XXXX on something I thought was paid in full. They bought this debt from someone and have been sending it to the wrong address and today they tell me if I dont pay in full at that moment that will will take legal action. I tell him whatever when he refuses to send me a bill to the correct address and hang up.Then he calls back and says that he will take this as a refuse to pay. I told him I was at work and could not do this now and he says that he would take that as a refuse to pay also.

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 2018-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
We prepaid Real Estate Taxes to XXXX County on XX/XX/XXXX. Called US Bank before paying and they said send us the paperwork and we will credit your escrow account for RE Taxes that were paid. We faxed information to US Bank on XX/XX/XXXX that XX/XX/XXXX RE Taxes had been paid to XXXX County in advance. They did not acknowledge anything. On XX/XX/XXXX we called them and they indicated it would take upto 2 months to apply prepaid taxes to your escrow account. Called them up again on XX/XX/XXXX waited 30 minutes for supervisor. They hung up and never called back. Called again on XX/XX/XXXX and spoke to supervisor since we received New escrow statement indicating escrow payments were going up on XX/XX/XXXX. They claim escrow payments will go up on XX/XX/XXXX, they also claim that they know RE Taxes were paid in advance to XXXX County for XX/XX/XXXX but they can not do anything. XX/XX/XXXX RE Taxes were paid to XXXX County in advance. US Bank has collected RE Tax escrow for XX/XX/XXXX thru XX/XX/XXXX and increased escrow payments eff. XX/XX/XXXX based on last year taxes.. 

We received a check for escrow refund for {$3900.00} check # XXXX dated XX/XX/XXXX from US Bank since US Bank received information from XXXX County VA. 

We called US Bank on XX/XX/XXXX. We could not get anywhere with the person who answered the phone in the escrow department. Asked to speak to supervisor, she was of no use. She transferred us to the Tax Department spoke to XXXX ID # XXXX she was no better than the first two persons. They just don't listen to you. XXXX told me that they need to verify from XXXX County VA if they had received the payment from us for the entire year of XX/XX/XXXX. 

We have enclosed printout from XXXX County, VA showing that the entire year XX/XX/XXXX RE Taxes have been paid in full. 

XXXX says they will still collect the RE TAX escrow payment even though its been paid in full by us. 

None of this garbage makes sense. RE Taxes are paid in full for XX/XX/XXXX and US Bank wants to collect RE Taxes for the entire year of XX/XX/XXXX and drag out the matter for months. Its already been six months.

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 monetary relief
Consumer complaint received 2018-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I HAVE BEEN ASKING FOR VALIDATION AND VERIFICATION ON INACCURATE ACCOUNTS ON MY CREDIT REPORT FROM TRANSUNION AND THEY REFUSE TO SEND ME THE INFORMATION IM REQUESTED. I HAVE CALLED AND SPOKEN WITH SEVERAL REPS AT TRANSUNION ABOUT THE INACCURATE REPORTING AND ALSO HAVE MAILED INFO SUPPORTING THAT THE INFORMATION THEY ARE REPORTING IS INCORRECT. TRANSUNION CONTINUES TO STILL REPORT INACCURATE AND FALSE INFORMATION. IVE RECEIVED INFO STATED VERIFIED BUT TRANSUNION REFUSES TO SEND ME THE INFORMATION ON HOW THEY VERIFIED AND WHEN. BELOW I HAVE PROVDER COPIES SHOWING THESE PAID WERE PAID IN FULL AND ARE NOT UNDER BANKRUPTCY.

ACCTS DISPUTED AND TRANSUNION REFUSED TO CORRECT : 1. XXXX XXXX XXXX- XXXXacct # 2.XXXX XXXX XXXX XXXX-PAID-XXXX acct # 3. XXXX XXXX XXXX PAID-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 2018-06-25 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OH

Complaint narrative:
XX/XX/18 Got a letter in the mail saying I was denied credit. Also a letter came for my brother in law from the same company. Which we never opened and will be sending back. 
When I called One main they refered me to my local branch. When I talked to them the lady said the application was hard to read because it looked like some had whited out in and wrote over it. ( In my opinion this should have flagged the application and triggered a call to us. ) They had my brother in laws name matched with my husband social security number. Red flag number 2 I would think. 2 workers refused to give me the name of the regulating body. The 3rd person finally gave be the initials of the regulating body but couldn't or wouldn't tell me what the letters stood for or give me a address or phone number. Also the letter didn't say why I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I received a high interest rate loan from XXXX After receiving the funds, I came across the origination fee on the documents sent to me that were in the same amount as the loan. Loan amount approx. {$4600.00}. and origination fee approximately {$5000.00} I contacted the company immediately regarding the fee and the responded that the removed half the the fee. I replied via email Thank you. 
After that email, I was waiting for correspondence from them for payment. I wasn't sure if it changed the amount of the monthly installment or not. 
Previously when I had a loan with this company, they'd either call or text me as a reminder for the payment. 
I received nothing from them via mail, email, phone or text since the reduction for origination fee via email. 
All of a sudden, I go to get a new car and my credit is hit with a charge off from the company in the amount of the loan causing my score to plummet and making it nearly impossible for me to get financed. I ended up with getting a horrible rate due to this scenario.. 
I contact the company and they agreed that there was no proper notice provided to me prior to the credit reporting. No calls from collection or correspondence via mail. I asked why not and they said because it was in a certain department regarding the previous issue. 
Now, they tell me they didn't need to notify me to remind me of payment or to inform me of past due balances and monies due prior to charging off the debt greatly effecting my credit. 
This just doesn't seem accurate to me. Is this true of a high interest rate loan company?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
Was contacted by this company about another persons debt. I let them know they had the wrong number and asked who was calling. MG Credit was rude and hung up. Called back to complain. let MG Credit know the number they are calling is wrong and to remove it from they call list. MG Credit continued to ignore my request and gather more information about me and the phone. This happened on XX/XX/18 around XXXX eastern time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have disputed with Equifax on multiple occasions for them to delete addresses listed on my credit report that are inaccurate. Equifax responded on XX/XX/2018, confirmation # XXXX and also on XX/XX/2018, confirmation # XXXX that their bureau had indeed deleted the following addresses ; however, I retrieved a copy of my report on XX/XX/18 and the addresses are still reflecting. Equifax is deceitful and falsely reporting these addresses but yet continue to send me responses and confirmation that they have indeed deleted them. This is a violation of my consumer rights. The following addresses should be deleted immediately from my report based on their letters ( see attached ) and also the fact that the addresses are inaccurate. Delete the following addresses immediately : XXXX XXXX XXXX. XXXX XXXX, TN XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXXXXXX XXXX XXXX , XXXX , TN XXXX XXXX XXXX XXXX, XXXX , TN XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPL Recovery Solutions
State: NM

Complaint narrative:
JPL recovery solutions bought my debt from XXXX where I got the loan originally in XX/XX/2017. JPL recovery solutions has made repeated calls to my work. I have told them at every call to stop calling me. They called my bosses personal cell phone today as well. My bosses have also told them to stop calling our office. They have called friends and family and asked about me, they have all told them to stop bothering them but they still call everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
My XXXX  XXXX XXXX was involved in an accident that was not my fault. Toyota received a settlement check from my insurance company in XX/XX/2018. As of today they have not send the info needed to my gap insurance company. Apparently it is a copy of the check they received from the insurance company. I hired an attorney to help me resolve this issue and my attorney says they called Toyota several times in the past three weeks and Toyota says the hold up is an internal issue at Toyota and the check copy has not been uploaded. My attorney told them that this is negatively affecting me and Toyota just says they can't do anything about it. Their departments that upload paperwork are not located where they are so it's just tough luck and I have to wait. It's now been several weeks and we asked them for a timeline and Toyota just tells my attorney there is no timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
i bought my XXXX sunglasses on XX/XX/2017 from the store in XXXX mall and they did not fir so I returned it on the same day.Sales associate did not have a replacement so she put the refund back on the gift card and she used it to order them online on the same day. The ones I got from the online order did not fit me either so I returned them on XXXX XXXX and I have a receipt and I told the sales associate to put it back on my card and she said she did. Now after a month I got a bill with a balance and I called them and they said they will fix it, but they did not until the due date so I paid the minimum balance twice at a total of XXXX dollars. After two months they did not resolve it and keep giving me different answers like it is wrong receipt or sunglasses and even after closing my account they wont resolve the dispute. Now they tell me that I dont have to pay anything or late fees and they will investigate, I keep waiting but they dont give me a actual response. Please help, I don't want my credit score to get affected.

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 2018-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Ally is asserting that a debt is owed of around {$12000.00} on a returned lease vehicle fees, but the lease was not returned, but rather it was purchased to avoid the expected fees. I have a copy of the released title of the vehicle from the North Carolina Division of Motor Vehicles, as well as a payoff receipt indicating that the payoff listed on my contract was satisfied. Ally has deliberately prolonged this collection efforts due to a personal vendetta against me due to words exchange between Ally 's representative XXXX XXXX and I.This has been a negative mark reported to the credit bureau that has falsely ruined my credit. I believe this is a personal attack brought about by XXXX XXXX trying to tarnish my credit and force legal action and drive unnecessary expense. I've asserted the same thing for over 3 years now, and Ally takes 6 months for a response each time I send correspondence.

Ally has since hired legal counsel to harass and collect debts and has threatened legal action despite my assertions being the same over the years that NO DEBT IS OWED ON THE PURCHASED VEHICLE.

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 2018-06-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XX/XX/2018 Text was sent with a phone number for Customer Representatives who claim to represent Hyundai, XXXX and XXXX vehicles with an attempt to collect a debt, however giving my my SS # upon request, they couldn't find anything pertaining to any debt. They requested to dig further until I halted the phone call to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX 's Finance Dept to find out more information about this and they had no clue about any debt collectors within the parameters of my SS # nor my phone number in which they informed me to contact XXXX XXXX which is the owner of the vehicle. Upon speaking with a Representative of XXXX XXXX, they didn't have any idea who this company was. XXXX XXXX  documented it as a fraudulent attempt to obtain sensitive information. 
The company in question is : " Customer Accounts '' XXXX- ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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 purchased Ethereum from Coinbase on XX/XX/XXXX for {$200.00}, Litecoin on XX/XX/XXXX for {$150.00}, and Bitcoin on XX/XX/XXXX for {$210.00}. My Coinbase account was credited for these transactions. Then on XX/XX/XXXX, the transactions were reprocessed through my bank account. I disputed these charges with my bank because I did not make them. No additional cryptocurrency was credited to my Coinbase account for the false charges. The charges were refunded to my bank account. On XX/XX/XXXX, Coinbase removed {$570.00} worth of cryptocurrency from my Coinbase account. I have emailed them many times and created numerous support tickets to no avail. Coinbase will not credit my account or issue me a refund for the {$570.00} in cryptocurrency they removed from my account. Their customer service is mostly email bots that can not assist consumers with their actual issues. Their customer service is non-exsistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
My complaint is against Citibank Customer Service XXXX. XXXX XXXX XXXX XXXX, SD XXXX 1. On XX/XX/2018, I initiated a transaction with XXXX and placed and order for an amount of {$260.00}. Soon after that I called and modified the order and the charge was {$220.00}. However, XXXX processed both charges, when only the {$220.00} was the valid one. 

2. I called XXXX and they promised to refund the charge. I have email correspondence with XXXX validating that there was an error on their part. However, after waiting for 2 months I disputed the charge with Citibank explaining the reason for the dispute. 

3. Instead for honoring my dispute that that merchant agreed to Citi denied my dispute I had claimed on one of the transactions from XXXX. 

XXXX. The XXXX charges are XX/XX/2018 XXXX XXXX XXXX XXXX XXXX   {$220.00} Valid & Correct. 

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX {$260.00} Should be refunded. 

I have sent letter to Citi with copies of the emails from XXXX. I also contacted them via XXXX, where I was promised a response. 

I appreciate any help in resolution of this issue.

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 monetary relief