vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 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: NC

Complaint narrative:
I contacted Experian in reference to these Inquires, I advised them that I did not have any knowledge or approve of these inquires. I have since contacted Experian any several occasions and discuss my concerns with their phone representatives. I advised them that I have no knowledge of these inquires. The inquires I did n't authorize are as follow. I want these items removed from my credit report. Due to not being authorize XXXX/XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX XXXX 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 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
These people repeatedly call me for my sister 's debt. Every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX the XXXX/XXXX/2017 wire transfered XXXX USD to Coinbase Inc. the XXXX/XXXX/2017 Coinbase Inc.  Notified by email and their support platform tha the wire transfer would be reversed in 3-5 labor days. 

So far I 've had only a repetitive response " we are working on it, we are busy, etc.. '' reaching them requires hours of phone call waiting and so far no response from their support platform except their " automatic '' follow up. 

We consider its completely unacceptable to hold our money for 10-12 days when the electronic wire transfer takes MAX 3 days, and in 90 % of the cases less then 24 hours. 

We are worried our funds are being using for their regular operations and holding it as long as possible before proceeding with the reveral.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. Equifax is refusing to remove this information even with the documents that I have sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Miller, Stark, Klein and Associates
State: MI

Complaint narrative:
Miller, Stark & Klein associates have called me two times. Both times a voicemail was left using aggressive tones and told me that I had complaints in their office and that I would need to call back before it became a legal matter. I called back and informed the individual ( who did not identify herself ) that I have no bad debt and have amazing credit/score. I informed her she was a scam and to stop calling. She then proceeded to hang up. I called back and told her that I have no bad debt. She proceeded to call me a liar and say that liars always say they have no debt. She then told me to stop calling. I told her I would stop calling when the manner was resolved. She said she was hanging up and I said I will call back. She then informed me that she would press charges for harassment if I called. I kindly told her the same thing. She then hung up. I called back and she refused to let me talk to a supervisor. I called the other number she left on the voicemail ( the number calling and the voicemail number were not the same ) and nicely explained the reason for the call. She asked me for my number, in which I have it. She put me on hold and came back to inform me that my number had been deleted from the files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
In XX/XX/XXXX a first account was taken out in my name but paid! 
XX/XX/XXXX a second XXXX XXXX XXXX for the amount of XXXX was taken out in my name fraudulently. 

I was at the time XXXX in the XXXX XXXX of the United States of America Starting XX/XX/XXXX and XX/XX/XXXX Which leaves me unable to have opened either of the above stated accounts! 

i have contacted all parties of this matter and no actions have been taken! 

AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Accounts Receivable Consultants Inc.
State: FL

Complaint narrative:
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX, XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION
State: CO

Complaint narrative:
I was the co-signer on a auto loan. The first party filed bankruptcy, I took over the payments. The company asked me to setup auto payments from my bank, but they put in the wrong information on the bank draft, used the first party 's name instead of my own, and my bank rejected two payments. They admitted to the mistakes, but refused to correct it or extend the missed payments because the first party filed bankruptcy. They want to re-possed the car. The missed payments were not my fault, in fact I contacted them several times asking for them to correct it before the payments were due.

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 2017-11-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Everyday in XXXX and XXXX I am receiving calls on my cell phone ( XXXX ) number. After speaking to XXXX XXXX on XX/XX/17, she asked what number they could communicate with me on. I gave her my Home number ( XXXX ) the next day they started the Rotary Calls to that number at XXXX XXXX. She also stated that they investigated information on me and stated I had a lot of properties and asked about a person who has a last name as mine who has no connection nor responsibility for my grand-daughter 's Student Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: AZ

Complaint narrative:
After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 2017-11-09 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: AZ

Complaint narrative:
After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: AZ

Complaint narrative:
After months of requests to XXXX XXXX, they still have not provided any validation that the account is mine. More importantly, that I should pay THEM. I have requested simply validation for months, but all they said was it 's verified. And with that, I inquired as to how they verified it, with whom, and they never provided any documentation to show verification/validation.

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 2017-11-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I CALLED XXXX CHASE BANK SPOKE TO A REP FROM THERE THAT WAS VERY RUDE AND NASTY TOWARDS ME WHEN I WAS TRYING TO REPORT FRAUD ON MY ACCOUNT. I TOLD HER THERE WERE SEVERAL CHARGES ON MY ACCOUNT AND I DONT KNOW WHO THE MERCHANT IS AND NEVER AUTHORIZED THESE TRANSACTIONS TO BE PROCESSED. THE REP FROM XXXX TOLD ME THESE ARE TO OLD TO LOOK BACK AND SHE COULDNT HELP ME. IM A ELDERLY MAN AND I DO FORGET TO CHECK MY STATMENTS I JUST PAY THEM. WITH THE HELP OF A FRIEND WE SAT DOWN AND WENT OVER OLD STATMENTS AND FOUND THESE CHARGES AND THATS WHEN I KNEW I WAS PAYING FOR THINGS I NEVER KNEW OR AUTHORIZED SO MY FRIEND AND I CONTACTED THE XXXX COMPANY. I WILL LIST THE CHARGES AND DATES SO YOU CAN SEE HOW MUCH MONEY WAS TAKEN FROM MY ACCOUNT ; XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX THIS IS ALOT OF MONEY THAT WAS FRAUD ON MY ACCOUNT. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am a victim of identity theft and have filed a police report about this matter back in XXXX. I have been disputing the fraudulent information for awhile and have been told that my police report was not good enough. I have been spoken to very rudely by customer service representatives as well as when I tried to contact someone at corporate the operated was rude. I have been disputing the fraudulent accounts such as XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and my personal cu. This all started back in 2012 until current and have been told to keep disputing. XXXX is refusing to remove this information even with the documents that I have sent in.

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 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: MI

Complaint narrative:
I have currently been trying to get a loan for a new house, and working hard to get my credit to a good spot. My loan officers transferred me to a credit specialist on XX/XX/2017 and told me about a collection to try and take care of and that would need to be deleted off my account after it was payed. I contacted this company on XX/XX/2017 and asked to pay off this debt but to have it deleted not just to have it shown derogatory payed. The company enhanced recovery told me that would not be possible. So all Im trying to do is pay this off and have it deleted, also this is apparently for XXXX XXXX for equipment that was not returned. I sent that equipment back so I am not sure what I am suppose to do about that either.. in the end though I would just love to have this off my account making it negative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX a request for a mortgage discharge and " Paid in Full Letter '' was made by telephone and by facsimile. We were told that the account had been found and was paid in full in XXXX. Many LENGTHY subsequent phone calls were made and the discharge has not been recorded, nor did we ever receive a Paid in Full Letter. We also sent the request via email as lender requested of us. The emails were never responded to either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called Capital One, and I was in touch with Capital One employees in CA CapitalOne Cafe. 
As of XXXX, i owed about XXXX dollars. I was notified that as long as there was a balance on my account, i would owe interest charges. OK. I spoke with persons over the phone, and people in CapitalOne XXXX. For XXXX, i paid XXXX before and on XXXX XXXX. I was notified that as long as there was a remaining balance for the month, i would owe interest on that balance. OK. Remaining balance after my payment is XXXX dollars. I was then told that if i did n't want to be charged interest in next month payment, I should pay in full amount of remaining balance before XXXX XXXX. I decided to follow their advice and pay the full amount of XXXX dollars before the end of the month XXXX XXXX. For 7 days my balance showed as XXXX dollars balance. I paid in full my remaining balance. OK. Then, suddenly, XXXX XXXX, i get a notice on email. You have a remaining balance of XXXX dollars. Why, i was told that if i made the remaining balance payment in full before the end of the month, i would not be charged interest/extra fees. I made the full payment of XXXX dollars. Yet, on XXXX XXXX, i was apparently charged XXXX dollars. That is absurd. I was told by Capital One that as long as i had a remaining balance at the end of the month, i would be charged interest. BUT, if I made the payment in full on the remaining balance, i would not have to be charged interest - as there was nothing to be charged on. It is absurd to be told that i would not be charged interest as long as i paid my credit card balance in full. Capital One i believe is misleading,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: CITIBANK, N.A.
State: VA

Complaint narrative:
In a letter to Macy 's dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to Macy 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports.

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 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: TX

Complaint narrative:
The creditor, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, Original creditor was XXXX XXXX placed my debt account with collection attorneys XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX. The XXXX filed for an appointment of a receiver on a judgement on the account from XXXX. 

I was unaware of the judgement from XXXX and well as the recent filing for the appointment for the receiver until after the fact. The original amount owed on the account I do not know and can not get a copy of it. I do know it is less than {$1000.00}. The amount of requested property to be updated with receiver appointment was {$4900.00} plus receiver fees. 

The receiver put a hold on my bank account for the amount of {$5400.00} on XXXX. I had {$850.00} in my bank account at the time. I called the collection company on XXXX, as per the suggestion of my banking XXXX and made an offer of {$3000.00}. This was to be paid with {$500.00} from my checking account and $ XXXX for the next 10 months. The person I spoke with, XXXX XXXX said she would present my offer and let me know in a day or XXXX. I checked my bank account today and the receiver had debited my account for {$1100.00}. This was more than the amount that I had in the account and was not the agreed offer. My banker said they were probably just trying to catch another deposit that I might not have disclosed. 

I called the XXXX back today and the representative pleaded ignorance of the situation, she said she does n't have access to what the receiver does. Then why do I have to deal with the collection company? I tried speaking with the receiver 's company and they refered me to the collection company. I resended my offer and offered them the amount they tried to debit my account, actually {$1200.00}, because the rep said they wanted a lump sum and this was all I could offer. She said they probably would not accept it, but would present it. I have called the court that the judgement was filed in to see if I have any options there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: AES/PHEAA
State: WV

Complaint narrative:
American Education Services Have repeatedly put disputed credit on my report after they were informed not to put anything until a resolution could be possible through an attorney. They place it 4 times with no owed money, just killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A COMPANY NAMED XXXX ILLEGALLY DEBITED FUNDS FROM MY CHECKING ACCOUNT ON XX/XX/XXXX IN THE AMOUNTS OF XXXX, XXXX, XXXX, XXXX AND XXXX. 
ON XX/XX/XXXX, MY BOYFRIEND USED HIS BANK OF AMERICA CHECKING ACCOUNT TO PAY FOR MERCHANDISE IN THE AMOUNT OF XXXX TO XXXX. I FAXED THIS INFORMATION TO BANK OF AMERICA 'S FRAUD DEPT AND I WAS SUPPOSED TO BE REIMBURSED FOR THESE UNAUTHORIZED CHARGES. BANK OF AMERICA HAS BEEN MOST UNCOOPERATIVE IN THE MATTER AND I 'M VERY UPSET BY THIS WHOLE INCIDENT.

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 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I do not have a signed contract nor any contract with Portfolio Recovery Associates. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX XXXX. I am not responsible for this debt with Portfolio Recovery Associates.

Company response to consumer: Closed with explanation