vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-29 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have repeatedly disputed an account from XXXX, XXXX  that is listed on my credit reports in an attempt to validate this purported debt. According to my XXXX  Credit Report, dated today, XX/XX/XXXX, XXXX XXXX is reporting that I have an account with their company (XXXXXXXX) with a balance of XXXX and a delinquency date of XX/XX/XXXX (see attachment). I have never had an account with XXXX XXXX nor do I have any account number associated with the reported account number on my credit reports. According to XXXX, XXXX, XXXX is a collection agency and should be able to provide documentation for this account, including, but not limited to;•	The Original Signed Account Agreement and Terms and Conditions. •	The Assignment and Bill of Sale for this account.   •	The Explanation of Accounting for the account balance of XXXX.  In addition, if XXXX XXXX is indeed a collection agency, they appear to be misreporting the following information on my credit reports:•	XXXX XXXX is listed as a financial services company.•	The Loan Type identified as a Factoring Company Account.•	Original Creditor is not listed.•	No Charge Off Amount is listed.•	No Date Closed is listed. This type of reporting is not aligned with Metro 2  Reporting Guidelines or XXXX XXXX XXXX  XXXX instructions, and a potential violation of the Federal Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have contacted Trans Union Credit reporting services for 3 months requesting that they correct the credit limit information associated with my credit card account with XXXX XXXX. 
I have worked with XXXX Card services in getting them to send multiple account corrections to Trans Union to get this resolved. 
They correct it temporarily for each of the months I have called in only to have the erroneous information appear back on my credit report the following month for the past 3 months. 
XXXX Card services also sent them and me a letter stating the correct limit on the card.The card issuer has been very helpful in going above and beyond in assisting me with this matter. 
This error has been adversely impacting my credit utilization and causing a score drop of 20 points, which seems questionable also. 
TransUnion is also reporting balances for XXXX card services, when there is a XXXX balance. This leads me to question their practice of the timely updating of information that is correct. 
The two major reporting agencies, XXXX and XXXX have the correct information. There was never an issue with my XXXX account with them. 
So where and why is TransUnion supposedly getting all of the wrong information???

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 2017-12-29 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: IL

Complaint narrative:
XXXX XXXX account on my XXXX and Experian credit report. This is an incorrect account that is not mine. I have never used this account nor had an account with this company. I have tried to dispute it and received no results with both of these agencies. XXXX took my  dispute and it was deleted from my credit report. This is incorrect and should not be on any of my credit reports. 

Amount {$420.00} Opened in XXXX Last Balance Date 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 2017-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
The company XXXX XXXX XXXX is not licensed in the XXXX of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NC

Complaint narrative:
On XXXX XXXX, 2017, I purchased a {$1000.00} at XXXX in XXXX, GA, from Western Union. This money order was sent to XXXX XXXX who claims that the money order was never received. This check has not been cashed. I have attempted many times to contact Western Union without success. Neither has the form been faxed to me per the telephone messages. It is impossible to speak with a live representative with Western Union.

I have tried over and over to place a stop payment. I have also sent the necessary documentation required. Unfairly, West Union charges the customer {$15.00} to secure this refund which appears to be very greedy. 
Money Order No. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
A 90 days late payment from XXXX XXXX XXXX XXXX has been posted to my credit report from Experian.  XXXX insisted that they did not provide Experian with any late payment and such information is incorrect.Several calls and letters written to Experian have not been returned, and no resolution to this issue has been reached.Experian needs to remove the 3 months (90 days) late payment from XXXX XXXX on my credit report

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 2017-12-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX 's XXXX XXXX at XXXX id # XXXX called my employer on multiple occasions after being told to stop, ex employers, ex husband, his mew wife, my choldren, family, coworkers, people i dont associate with, EVEN after being told by them to stop contacting them, they continue, my employer wrote me up for this and they wont stop

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 2017-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a card my husband is an authorized user I can’t get them to report it to XXXX XXXX or XXXX it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: LA

Complaint narrative:
Issue is with XXXX XXXX XXXX I am trying to get my last two ( 2 ) loans a ) out of default and b ) paid off. 

The website shows i owe nothing. The automated phone line says I owe nothing. I paid off a loan with them this year and it has not been reported as paid with the credit bureaus. 


I contacted the Dept of Ed Rehabilitation Group who says my loans qualify for rehab because they have only defaulted 1x. However, XXXX XXXX says they were transferring in XXXX of 2016 and Dept of Ed did not accept yet. 

Dept of Ed says XXXX XXXX did not send it to them and they need to re-submit it because there is nothing for them to address. 

I have spent hours on the phone trying to find a person with XXXX XXXX to resubmit it to the Dept of Ed so I can  have this cleared up. I have no physical documentation of the loans or my status because online shows nothing. 

Please help me get it transferred to the Dept of Ed so I can get this rehabilitated and removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 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: FL

Complaint narrative:
XXXX XXXX ( " Student Loans '' ) has wrongfully and illegally via violation of the Fair Debt Collection Practices Act reported duplicate accounts ( it should only have been reported once ). They are exactly the same ( with the same creditor ), but reported twice. This is severely harming my credit score. I had complained and filed a report and requested an investigation with all credit bureaus, but to no avail. They did not rectify the problem at all. The " duplicate report '' was filed as a charge off starting XXXX of 2017.

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 2017-12-29 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: Collins Asset Group, LLC
State: NY

Complaint narrative:
This debt/collection appeared on my credit, it does not belong to me. This is put falsely on my credit report. It states it was opened in XXXX of 2017. I have zero documentation reflecting this account nor was this account authorized on my behalf. This account has appeared on my credit report and is reflecting negatively in collection under an individual type and again does not belong to me. It is my right to get incorrect and false information to be Removed. I have received zero documentation regarding the matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX, I called Chase Mortgage requesting they prepay my XXXX real estate taxes in XXXX County. After being put on hold for 2 hours, I was finally connected with a representative. She was able to access our tax bill and confirm that it could in fact be prepaid by the end of the year. We had a lengthy discussion, at least 20 minutes regarding the process. She indicated that the XXXX was the last day to request payment through escrow and while they require 7 days to ensure that the payment is processed, they would do everything to expedite it. They were unable to provide any kind of confirmation of payment, which seemed penalizing to the consumer. I also requested a call back from a manager just to confirm the process ( I never received a call back ). My husband called Chase today, XXXX to see if the payment was made. If it was not, we were going to float the over {$5000.00} payment even though we had sufficient funds on hand with Chase. According to the representative, the notes in the file indicate I had requested specifically that they not prepay our real estate taxes and thus it was too late to do anything. I am utterly furious- someone at Chase clearly lied and now we are scrambling to make a payment by the end of the day. How can a major bank so clearly misrepresent their customers. There is a recording of this call and I want access to it. I feel I should be liable for the interest/ float from this time until I am reimbursed. They are in fact holding my money. And for time spent on the day after XXXX that I could have spent with my family.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
As a sole proprietor of a small business, I signed up for a 0% interest promotional transfer deal with American Express.  The plan name I signed up for is "Blue Business Plus Credit Card" for the term 0% introductory APR on purchases and balance transfers for 15 months. On about XX/XX/XXXX, a balance transfer of $XXXX was transferred from my XXXX Credit Card account to  the new XXXX credit card account.  The Transfer fee was $XXXX.The balance transfer was never placed on the promotional plan, and I have been billed monthly interest with a minimum payment due amount. (See Statements for XXXX, XXXX, and XXXX).  I have repeatedly contacted XXXX to have this problem resolved.  I first contacted XXXX via phone after the XXXX, XXXX and XXXX statements were released to question the statement.  I have made repeated contacts via phone and chat since then regarding the still unresolved problem.They told me there was a system problem that caused the problem.  They were aware of it and my account would be fixed.I made $XXXX in payments in XXXX to cover the transfer fee and a little bit more.  Then, I received the XXXX Statement and the balances and interests were still incorrect.  I was told to do nothing and it would be fixed.  When it came time the bill was due, I called again, and they told me I needed to pay the minimum due, but the problem would be later fixed.  On XX/XX/XXXX, I paid the minimum due of $XXXX.  Now, the XXXX invoice continues to show the same problem.I contacted XXXX again today (XX/XX/XXXX) to complain that the problem has not yet been resolved.  They are unable to provide an ETA on a resolution claiming they are working on it.  It has been nearly 6 weeks and no resolution.This appears to be Bait and Switch.  And, this delay appears suspicious.  I say this specifically because they previously made a 'system error' claim on my personal XXXX account.  In that instance, I received notice that my APR was increasing because of bad credit.  My Credit Score is near perfect.  When I called to complain, they said it was a system problem.  They corrected that mistake within 2 weeks and included letters mailed to me indicating their mistake.During the problem identified in this complaint, XXXX has not mailed me any letter indicating there was a mistake they were working to resolve.  My chat log is the only thing I have as proof of what they have been telling me (in part since I also had phone calls on this matter).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
USAA called me repeatedly on the following days despite my debt consolidation companyh working with their settlement department ( seperate ticket XXXX ). 

Days include : XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX, XXXX, and XXXX ), XXXX XXXX ( at XXXX and XXXX ). 

As per previous ticket, I did inform them to work with the consolidation firm. I 've also, admittedly very angrily, informed them of the Fair Debt Collection Practices Act which states that they may not harrass by calling multiple times in the same day. 

Also stated on the previous ticket, I spoke to a manager and he sent a message to the team for them to contact me at a specific time and day to sort this out and have XXXX XXXX on the phone. They did not call at the specified time/day ( XXXX XXXX XXXX, XXXX ) or the day after. Then they called again on XXXX ( today ) .This leads me to beleive that theyh do n't want to work with me on the debt, but just to harrass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates
State: PA

Complaint narrative:
XXXX XXXX, 2012, I registered for an alarm system and monitoring service for my home with XXXX XXXX. Immediately after installation, the equipment installed stopped working. I contacted the company and explained the situation. They refused to repair the problem. Consequently, we no longer paid for a service that had never been provided. Regrettably, several years later, I find that this company is pursuing me for this debt through a debt collection agency. This is a terrible business practice. The company is relying on the amount of time that has passed to pursue a bill that they had by no means earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Hi!I'm verified costumer at coinbase .com.I wired $XXXX from my bank to the coinbase platform .i try to buy some coins with my money and they locked my platform .I can;t buy ,sell or withdraw my own money .I e-mail them they send only automated messages .I call them they said they can't override the system ,as i ask them to put my personal information manually and unlock my platform ,and they also send me an automated message ,how to pass the ID quiz as they call .I tried every combination i could think of .So i have no access to my account They don't contact me an no help from them.Another guy recommend you guys who has the same problem and you solved it and hopefully you can help me too!  I'm just a family oriented person who try to invest my XXXX future !Thank you! case id at coinbase; XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The company is NATIONAL CREDIT SYSTEMS, XXXX. XXXX XXXX, XXXX, GA XXXX. 

Florida requires license and this company is not licensed in Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Have a card with chase bank with a credit limit of XXXX dollars. They were supposed to shut down the card when it hit XXXX it is now XXXX dollars. They are charging me interest on the XXXX dollars is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, 20 days from writing this, my account was locked. When I try to login the app gives me the following message “Your account has been locked, please visit coinbase.com to resolve.” So I contact support and they are prompt to initially respond but then they completely forget about me for 3 weeks. I deposited $XXXX USD into my account at the beginning of the month. I would like a refund. This long of a wait time on such a small issue is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
When I called Ally, the company holding my CD, I was interrogated to establish my identity.  But the questions varied from the usual.  After ginving my mother's maiden name, and all the other usual identifiers, I was asked to identify "XXXX"  something or other.  When I responded that I had no idea what they were talking about, they demanded my social security number, to which I told them I only gave to medical or social security employees.  We had a brief exchange where I gave theme the legal reasons why they could not use my number for their purposes, and suggested they use the same questions the other eight financial institutions used with my accounts: either my birthdate, or the Ally account numbers they had given my account.  I was told no.  UnlessI gave them my number they would not respond in any manner.  Although I had calledoriginally to verify that my instructions regarding federal withholding were being followed,this made me extremely suspicious.  Especially since I had become acquainted with Allyonly through their primary business:  aurto financing at dealerships, with no local addfressat all. I told them that their lack of cooperation required me to close the account and getan immediate refund of funds to put into another bank. They laughed.

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