vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-19 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am a victim of identity theft. Several accounts have been opened in my name without my consent or knowledge. I have previously had to dispute accounts with XXXX, XXXX, and XXXX. All of these accounts were closed and after an investigation the negative information being reported was removed from my Early Warning Services report. A new account has now shown up on my report from XXXX. I have never done business with XXXX and according to their website I am not even eligible to have an account with them as I am not married nor have I ever been, I am not in the military nor have I ever been and I have no family that is currently serving or who has served in the past. 

My apartment was broken into and several of my things were stolen, including : My passport, driver 's license, debit cards and two check books. I filed a police report with the XXXX Police Department. The police report number is : XXXX The theft of my identity documents resulted in this identity theft. I have attached a copy of my social security card, my driver 's license, the police report and a copy of the FTC affidavit of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: WI

Complaint narrative:
On XX/XX/XXXX I sent a certified letter to Experian disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 ) provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Experian received my letter on XX/XX/XXXX.

On XX/XX/XXXX I reviewed my Experian credit report and the Bankruptcy Remains.

On XX/XX/XXXX I received a letter from U.S. Bankruptcy Court, XXXX XXXX of Wisconsin stating that the court does not report any information to any credit agency.

On XX/XX/XXXX I sent a certified letter to Experian again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report.

Experian received my letter on XX/XX/XXXX On XX/XX/XXXX I again reviewed my credit report verifying that Experian has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.

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 2017-12-19 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: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I bought a car from XXXX XXXX back in XX/XX/XXXX. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC
State: FL

Complaint narrative:
I checked my XXXX credit report today, XX/XX/XXXX ... I saw that there was an account from HARVARD COLLECTION SER ( XXXX ) and I have never received a written notice of them attempting to collect the debt. 

This is a clear violation of the FDCPA as they have to let me know within 5 days of acquiring the debt that I owe them, and this has not been done. 

I have disputed this item already with a previous debt collector as I am not familiar with the amount in questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX, I ordered {$20.00} of Bitcoin and {$20.00} of litecoin from Coinbase. They were perfectly fine taking my money, but I can not add a way to sell and get money back. After waiting on hold for TWO HOURS, the customer service rep told me to try again with a bank account and that was all he could do. ( This is all after opening a support ticket approximately one week ago ). I still do not have access to my funds. Coinbase has not contacted me about my open ticket and I am being left hung to dry with no money from it and not being able to get the money I supposedly have on their application. I just want the money I OWN back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I submitted a payment to Bank of America for my XXXX  XXXX credit card through my credit unions billpay on XX/XX/XXXX for {$700.00}. On XX/XX/XXXX, Bank of America debited my checking account on file ( from previous payments ) without my authorization for {$700.00}. I called Bank of America to notify of the error and dispute to have this double payment/double debit to my account resolved. I was notified that I would receive a credit/refund of this double payment in 5-10 business days. in this process, my credit union memo-credited me {$700.00} in the meantime until the refund was received. XX/XX/XXXX, 7 full business days later there was still no credit from Bank of America so I called to confirm of refund of double payment. Was notified by a separate employee that I did not provide a checking account number so no refund would be issued. I notified the employee that in my previous call on XX/XX/XXXX that providing an account number for refund was not given to me as an option. I was notified a check would be mailed within 5-10 business days. Gave employee checking account number for credit to once again be credited back to me from double payment made on Bank of America 's behalf without my authorization. Was notified this time, that the credit would be issued within 15 days ( by the latest date of XX/XX/XXXX ). My bank retracted the {$700.00} memo-credit to my account so I have still not been credited back for an un-authorized debit to my account by Bank of America for a double payment to this credit card account. This is a violation of my rights as a financial consumer as well as a Federal Regulation E violation. Regulation E ensures that the day a consumer ( myself ) verbally notifies the financial institution they have 10 CALENDAR days to notify of resolution with an absolute maximum of 45 days IF provisional credit has been made and I received error resolution notification within 2 days. This is a disgrace as a provider of financial expertise as well as a disgusting practice. It has now been 27 calendar days since my original notification of error with zero resolution from Bank of America and I have now been shorted {$700.00} wrongly with no sight of resolution.

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 2017-12-19 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: CA

Complaint narrative:
On XX/XX/2017, XX/XX/2017, and on XX/XX/2017 disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.

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 2017-12-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Since the events below, I have been able to obtain an income-based repayment plan ( that Navient habitually tries to talk me out of. They have, on numerous occasions, told me over the phone that if they did n't want to, they did n't have to let me on the IBRP ) The event ( s ) I am complaining about is in light of recent actions taken against Navient, and I wish to add my voice, as I have dealt with the exact problems mentioned by countless others before. 

When my loans first went into repayment ( XX/XX/XXXX ) I was unemployed and unable to make my initial payments. I contacted the lender for a resolution and was told time and time again that there were no other options available to me other than " borrow the money from your parents/grandparents/aunts and uncles. '' When I informed them this was not an option, the only path I was given was to use up my forbearance ( which was quickly maxed out after a few months. ) When collections came due after forbearance ( Late XX/XX/XXXX - current ), my situation was only slightly better and I had an entry-level role. My family was struck by the downturn ; Lost their house and their jobs and could not help support my payments. I only had an entry-level position and could not afford the full payments. I asked if there were steps I could take to release them from their obligation as cosigners just to be told no. 
My only option was again to " borrow from friends and relatives '' to make my monthly payment. When I was unable to make payments, I was turned over to collections and my credit was negatively impacted. This was the point I was finally " allowed '' to join an income-based repayment plan. 

Since then, I have maintained regular payments and have been able to improve my credit score. However, was made to suffer for 5 years unsure of whether or not I will ever be able to get a grasp on my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I bought a car from XXXX XXXX back in XXXX 2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.

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 2017-12-19 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: CITIZENS FINANCIAL GROUP, INC.
State: NC

Complaint narrative:
I bought a car from XXXX XXXX back inXX/XX/XXXX2017. I signed off to let them pull my credit report once but not SEVEN times! i am very upset that they did this without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
Reflecting on credit reportXX/XX/XXXX {$630.00} Paid off in store! 
XX/XX/XXXX{$650.00} Paid off in store! 
Company not licensed according to Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I have disputed this debt with XXXX within all three credit bureaus ( XXXX XXXX, XXXX, and XXXX ) since XX/XX/XXXX, for an account that has been charged off sinceXX/XX/XXXX, requesting that this account be deleted from my credit reports, Due to this debt being time-barred. ( in XX/XX/XXXX, residing in XXXX in which the Statue of limitation is 6 years, to now residing in XXXX, in which the statue of  limitation is 4 years on written contracts ) I have recently accessed my credit report ( XXXX ) and found that XXXX XXXX, Incorporated has violated the Fair Debt Collection Practice Act by not only re-aging this debt to show that the account was opened in XX/XX/XXXX, but also increased the amount of the debt by over XXXX. The account was charged off by XXXX in XX/XX/XXXX for XXXX. This information is completely false and inaccurate. They also, did not purchase this loan from XXXX in XX/XX/XXXX, this account has been through a minimal of four different debt collections agency prior to XXXX XXXX XXXX  purchase of this 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 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This complaint is about : Experian My personal information was compromised through the negligence/incompetence of XXXX in the large breach earlier this year. In XXXX, I repeatedly tried to freeze my credit files with Experian through their web site. Each attempt failed, and Experian 's web site information said I should mail them copies of my driver 's license, social security card, and a document to show my current address. 

On XXXX XXXX, XXXX, via certified mail, I mailed Experian copies of my driver 's license, social security card, and an insurance statement that showed my current address. According to records from the USPS,  Experian received my mailed documents at XXXX XXXX, XXXX XXXX, XXXX. 

I have not received any confirmation, notification or correspondence from Experian. Since XXXX, I have continued to try to freeze my credit files with them using their web site. Each attempt fails, once again directing me to mail them the documents I have already sent them.

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 2017-12-19 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: WI

Complaint narrative:
On X/X/17 I sent a certified letter to Equifax disputing the reporting of a bankruptcy on my credit report. FairCredit Reporting Act 623 ( a ) ( 3 )  provides that the credit bureau must verify all information reported with the ORIGINAL creditor. US Federal Bankruptcy court does not report to any credit bureau nor will they verify that information is accurate. The credit bureaus Use of a 3rd party, and claiming verification is not only false it violates Fair Credit Reporting Act 623 ( a ) ( 3 ).

Equifax received my letter on X/X/17. 
On XX/X/17 I reviewed my Equifax credit report and the Bankruptcy Remains. 
On XXXX I received a letter from U.S. Bankruptcy Court, Eastern District of XXXX stating that the court does not report any  information to any credit agency. 
On XX/XX/17 I sent a certified letter to Equifax again showing proof in the form of the letter from the bankruptcy court, and therefore they must remove this bankruptcy from my credit report. 
Equifax received my letter on XX/X/17 On XX/X/17 I again reviewed my credit report verifying that Equifax has not removed the bankruptcy from my credit report in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OZK
State: AL

Complaint narrative:
On XXXX XXXX 2017 I asked bank of the Ozarks in XXXX Al for the pay off on my property and they told me that they cant give it to me in person that they have 7 days by new government law to send it in email. In this time they added XXXX to the pay off by attaching a charged off loan from years ago to it and also I payed my car off years ago and they did n't return the title

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: Diversified Consultants, Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and Diversified Consultants. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and Diversified Consultants-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 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: FL

Complaint narrative:
On XXXX XXXX 2017 I called Equifax at phone number XXXX and spoke to a woman by the name of XXXX I expressed to her that I wanted to request method of verification under section 611 of the FCRA she quoted to me a portion of the law and stated that she is not required to provide method of verification I then asked for her ID number she stated she did not have one.I find it absurd that she would not provide me with a method of verification for a disputed item belonging to a XXXX # XXXX reporting on my credit report because if you get a response to your dispute from the credit reporting agency saying the disputed item was verified you have the right to request the method of verification under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The confirmation number she provided me for this call was XXXX  clearly she does not know the law and now Equifax is in violation of the federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: IA

Complaint narrative:
I was notified via my credit score monitoring service that a collection had been placed on my credit history by XXXX in XXXX Arkansas. I called this company and they say I owed them XXXX $ for a internet line started in my name somewhere in their service area. I told them I never even lived in Arkansas, much less opened an account with them. They would n't help me. 

I contacted XXXX and Equifax to dispute this collection. XXXX removed the collection, finding it to be not valid. Equifax told me it was valid. It is not valid. I have never lived in Arkansas. The only explanation is someone used my name to open an account or there is a mixup somehow. 

I do n't really see an option to appeal with Equifax 's decision except to add a statement to the note on my credit report, to again try to dispute the account with the original company ( which got me nowhere ), or to send them some sort of documentation about the collections but I have no such thing since I did n't open any actual account and can not prove a negative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My Homeowner Insurance Company mailed the check to repair my roof and ceilings to my Mortgage company Ocwen Loan Servicing LLC. The Check was mailed to me from Ocwen to endorse so they could send the funds to me so I could replace the roof on my home and repair my water damaged ceilings. Prior to me sending the check by XXXX I called Ocwen claims dept and was told to submit a letter stating I was requesting private repair to replace my roof and repair the ceilings. I have not received the check as of XXXX. 2017 I called Ocwen today and I was told by XXXX XXXX XXXX, with Ocwen Executive resolutions that since I was delinquent on my mortgage and Ocwen was processing my mortgage modification request Ocwen will not send me the Insurance check to repair my home and I would have to have a License Contractor for them to send the check for me to repair my home. I 've spoken with the persons whom I want to fix my house and they are ready to do the repairs. 
I feel Ocwen is discriminating against me, my neighbors also has Ocwen as their servicer and they had claims and they allowed them to pick who repaired there houses and they too were in processing with Ocwen for mortgage modification.

Company response to consumer: Closed with explanation