vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-30 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX. XXXX responded with stating an investigation was started but never followed up with the investigation results, no response from XXXX or Experian. On XX/XX/XXXX I  resubmitted disputes to all three agencies with the same response from XXXX   and a response this time from Experian saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...

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 2018-01-30 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: MA

Complaint narrative:
I applied for American Express through their pre approval page on their website. It showed me 3 cards with 2 different interest rates. When I received my card member terms of agreement ; the APR was at a random amount not even shown in any of the pre approval options. I called them right away and they made a case. Ive called about 6 times on the matter and no one there can get to me a department that can explain whats going on nor do they send me any correspondence about this so called investigation which they told me takes 60 days. Ive had my account open now about 4 months. To make matters worse, I received their 15 months no interest offer, and I keep getting charged interest every single statement period. Im sick of calling them. Theyre incorrectly and I feel illegally, reporting false debt totals to the credit bureaus. Ive called about this also every single month. Nothing is done. Im furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
This company is attempting to collect a debt for a fraudulent claim from XXXX. The buyer purchased an item, damaged the item, and then attempted to return for a full refund. 

The refund was not paid, and the debt is invalid. This collector has called and mailed letters after receiving a letter via certified mail that the debt is not valid, with a request to no longer contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX for XXXX XXXX credit card. 
1. Charged a late fee of {$37.00} that was more than twice my monthly fee of {$15.00}. Considered illegal in Calif. 
2. Made payment on time difficult to gain late fees : A. Payment sits in P.O. Box until it incurs late fee. 
B. To pay before due date I must use a debit card, but charge {$15.00} fee to use. 
C. Had post office hold my paycheck in order that I incur late fee before can pay. 
3. Statement showed wrong amount, when I called and pointed it out to supervisor, he hung up. No explanation, no call back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
Since XX/XX/XXXX Ive had a support ticket open with Coinbase support to unlock my funds in one of their accounts. They have promised timely support and have asked for my patience but the weeks are turning into months and I still dont have access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: KS

Complaint narrative:
My father XXXX XXXX XX/XX/XXXX. on XX/XX/XXXX myself and a financial advisor began contacting the different bank and financial institutions in which my father had made Investments. I am the executor of the will and the sole beneficiary I have contacted all the different investment concerns and they have complied. With the exception of US Bank we have contacted US Bank numerous numbers of times talk to 25 or 30 different people of which no one seems to know about the other we were told to submit XXXX XXXX along with other papers which we complied twice overnighting and receiving signatures and faxing yet no one could find the paperwork now we have finally found that we have to deal with the branch in which the account was open but they are telling me that I have to drive to Colorado as I live in Kansas to get a letter of XXXX. I am dismayed at the way they have treated me and the way they have handled the situation that a man who has lost his father has been able to close out all other accounts totaling substantially more that this US bank account. Yet US Bank requires something more for the small amount in my father 's account that has been left to me the beneficiary and they are saying that I have to drive to Colorado go to the courts to get this letter in order to extract the money into the executor account in order to fulfill my father 's requests concerning the money that he left behind

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 2018-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: WA

Complaint narrative:
I have a debt for {$2000.00} that is held by XXXX XXXX XXXX ( ERC ).  They called my mother on Friday, XX/XX/XXXX, around XXXX XXXX pacific time. They asked if there was other contact information for me, which they are allowed to do, but then XXXX XXXX left a message with my mother to be forwarded to me, asking for me to call them back at XXXX, using reference number XXXX, saying I needed to call back within the next two hours because XXXX would be gone after two hours. Then, on Saturday, around XXXX XXXX, XXXX called my mother, again, asking to speak with me. My mother told her that she had relayed the message and there was nothing more she could do, but my mother should not have even had to be bothered with relaying a message that sounded like it was urgent, nor should she have been harassed with a second call. My debt is my issue, not my family 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: MO

Complaint narrative:
This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: SC

Complaint narrative:
I recently started monitor my credit using XXXX XXXX.This is when I noticed multiple credit inquiries that I didn't apply for. I have disputed them with TransUnion and the companies several times. And they both refuse to remove them from my credit reports. And wouldn't send me proof that verify I did the inquiries. I didn't do theses inquiries. The inquiries are from the following companies : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX & XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: IL

Complaint narrative:
I was contacted by this company who would only till me they were from ERC. I asked what this was about the guy refused to tell me. I told him to not call this number as it is a cell phone. I don't have any business with you and you do not have my permission to call. They called several more times after that one time being a lady who said sorry and hung up. I have only had this number for 6 months. I have never received anything from this company concerning a XXXX debt I know nothing about. This account was previously disputed though XXXX XXXX XXXX and found to be unverifable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: Navient Solutions, LLC.
State: IN

Complaint narrative:
My monthly payment has been on time for 4 years now, but it still shows delinquent on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capstone Credit & Collection, LLC.
State: NY

Complaint narrative:
I contacted them and they refuse to validated the debt and they advise me they can not dispute the accuracy. Date reported XX/XX/2018 collection charge off/ last four account number XXXX amount {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC
State: MO

Complaint narrative:
This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: VA

Complaint narrative:
Hello, I am back again to discuss Navient. I have been having problems for a while. My federal loans are on a more affordable monthly payment. However I am having problems with the private. I received a letter yesterday from my federal loans demanding the payment of my entire loan in full. I was confused because i had just started the new lower payment program. I called them and they stated that it was past due but later said i was up to date. He then told me it was my private loans. I spoke to the private loan department last month to discuss some options for repayment. The first person i talked to said that they could not lower the interest rate under 7. Her manger then told me he could get it to 1 but for only a short time then it would go back up. Then he presented me with a payment plan that would have been automatic and had other information about the plan he could not email me in writing. They wanted me to listen to a voice automation that was talking so fast that i did not feel comfortable agreeing with the terms. he told me to just keep replaying until you understand!!! I was taught to read before you sign. He made it seem like it was an offer I had to take or would lose it. He kept telling me that he could not email me the document. I cant get anywhere with the private loan side. I would like from them to send me copies of all of my history. I would like to see the original document i signed at XXXX XXXX. I also would like to receive the document with that payment plan that they could not provide. I strongly felt bullied in that situation. I would like for them to send me the correct info. Are they going to help with my private or are they demanding the money i dont have, and cant borrow. They stopped taking credit card payments but even still at this current time i cant give them the full. My salary is just as much as my loan. I cant switch careers because its hard finding a Job as is. I have been paying on my loan for since 2009 and i just started having issues. 8 years of payments and my loan has gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
ANY OF THESE ACCOUNTS DOES NOT BELONG TO ME * XXXX XXXX XXXX   XXXX DATE OPEN HIGH LIMIT MONTHLY PAYMENT Individual XX/XX/XXXX {$400.00} {$31.00} $ XXXX-PAYS 61-90 DAYS {$81.00} COMMENTS FIRST PAYMENT NEVER RECEIVED *XXXX XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$1000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX   XXXX Revolving OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$420.00} - - - PAYS AS AGREED - Individual *XXXX  XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$3000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual *XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$6000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX XXXX  XXXX XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$9000.00} - - XX/XX/XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED AT CONSUMER 'S REQUEST *XXXX   XXXX Revolving DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR Equifax XX/XX/XXXX {$5000.00} - - XXXX PAYS AS AGREED - Individual COMMENTS ACCOUNT CLOSED DUE TO INACTIVITY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30 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: NY

Complaint narrative:
XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 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: NY

Complaint narrative:
XXXX XXXX sent me a letter this past week stating they reviewed my account that I was disputing a late payment that was reporting on my credit report for XX/XX/XXXX. The letter states that they will fix it with the credit reporting agencys to update my credit reports and put this account as accounts that are satisfactory with no late payments. I wish to note I have 2 XXXX  XXXX credit cards. I am disputing the account that was opened in XX/XX/XXXX with a {$500.00} credit limit not my other XXXX  XXXX account. I received my XXXX  credit report today and the 30 day late payment is still reporting it was supposed to be removed according to the letter from XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Performance Settlement, LLC
State: KY

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX to consoldiate my student loans and to enter in to a student loan forgiveness program. There contact information is XXXX address is XXXX XXXX XXXX XXXX . XXXX XXXX CA XXXX. Starting XX/XX/XXXX through XX/XX/XXXX the company ACH debited my account for each months for a transaction of {$100.00} and a seperate transaction for {$0.00}. i was contacted by XXXX my actual Department of Education Loan Servicer on XX/XX/XXXX stating that i was 177 days past due and was fixing to be in default with my federal student loan. i told them that i was working with a third party servicer paying them a monthly payment towards my loan. They informed me that i was involved in a student loan scam and gave me the number to contact CFPB. I have also contacted my bank that the funds were withdrawn from and have put a hold from this company to withdrawl and more funds. This company has taken {$1600.00} feom my account and refuses to pay it back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SD

Complaint narrative:
XXXX XXXX XXXX University has engaged an outside party called https :  XXXX XXXX XXXX to provide students with XXXX IRS TAX FORMS. Heartland.ECSI.net   .suckered me into making an account with them that I can not delete. They will not provide a delete account option. Their phone and online chat wait time is so long it is unbearable. Is it University outsourcing? I do not know but this is the second University to do this to me this week. XXXX XXXX XXXX University made me submit my personal documents to an organization called XXXX, which also will not let me delete an they tricked me into making. I do not know who in the State of South Dakota is making these horrible outsourcing of Univesity data and personal privacy but IT MUST BE STOPPED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BYL Collection Services
State: DE

Complaint narrative:
Received a collection letter from BYL services on XX/XX/XXXX which is dated XX/XX/XXXX. This company has sent me a letter which I already have accounts open with XXXX XXXX with monthly payments of XXXX XXXX dollars. I have two accounts with them and have been paying them and have not been notified of any delinquency on any of my accounts. The account number referenced from XXXX XXXX has not sent me any statements my file show no statements sent since XX/XX/XXXX. I submit my payment when I receive my statement. I getting a collection letter. Today is XX/XX/XXXX and I usually obtain my statemen because it is due by XX/XX/XXXX and the current bill is due by XX/XX/XXXX no statements have been recived for either bill all month long. Something fraudulent going on???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation