vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-14 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: EQUIFAX, INC.
State: NY

Complaint narrative:
The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now?

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious?

Thanks for your attention!

This has been paid in full at least 5-10 years ago, unknowingly after the statute of  limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello, Please remove the following from my credit report. The address XXXX XXXX XXXX XXXX  XXXX and the cactus address from my credit file, I never lived in XXXX Arizona. Please delete the XXXX XXXX address I never lived in XXXX. 

Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Continuously received calls from multiple area codes

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I opened an account with Barclay 's Bank Delaware and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from 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 2018-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
complaint is the exact same thing as my original complaint # XXXX and complaint # 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 2018-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hello Experian please delete XXXX from my credit file. You are reporting open as this account should be closed. I have contacted you about and yet its still open. I have attached documents from where I made a claim on here ( cfpb ) and they said they dont have An account for me, in return I know they cant validate that this debt is mines and yet when I dispute to you guys you always update within 6 days and and mail me something saying its been updated from previous disputes which is not fair! You ask me provide proof and you always disregard which is crazy what bout me as the consumer and my rights it seems as if your company is always going with the collectors. Please investigate what documents I have attached and delete this from my file please. 


XXXX 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 2018-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
The late payment occurred on XXXX 2016. I have made several calls and attempt to contact the creditor to remove the payment. Although the payment was late, it was not due to my inability to make the payment, but instead was due to you not being aware of it being due. Since the late payment, I have had more than 15 months of on time payments and enrolled in automatic payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I sent a $ XXXX wire transfer to my Coinbase account on XX/XX/XXXX. It was sent from a brokerage account that I own on XXXX ( wired through XXXX XXXX XXXX ). 

I got an email from Coinbase on XX/XX/XXXX informing me that my wire had been reversed because there was a mismatch. 

Its been more than a month and my funds have not been sent back to my account with XXXX. 

I have contacted Coinbases customer service 4 times ( on the mail and on the phone ). I have mostly received automated emails back that dont address my problem. 

I have also contacted Coinbases clearing bank, XXXX XXXX, to inquire about my transfer but they pointed out that Coinbase is in possesion of my funds and have not sent them back. 

On XX/XX/XXXX, I spoke to a representative from Coinbase on the phone. She said my case would be transfered to an specialist with the highest priority and that they would follow up with me soon. 

So far, I have not heard from an specialist and have not received my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: PA

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, XXXX, Transunion, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from 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 2018-01-14 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: PA

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report XXXX, Equifax, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I opened an account with XXXX XXXX XXXX XXXX and the account was closed on XX/XX/XXXX, A derogatory remark was made on my credit report Experian, XXXX, XXXX, stating that this account has a balance of {$2500.00}, and also that I have late payments XX/XX/XXXX of 120 days late I can not understand how this can be possible is the account was closed in XX/XX/XXXX and how can any account be reporting late for 120 days for 3 consecutive months? Also I did have an account here but my balance has never been {$2500.00}, I do n't understand how they can add {$1000.00} plus dollars to my account, please help me I have contacted this company many times I would like to address these issues by either paying what i truly owe them or get this negative remark removed from 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 2018-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Garrison Investment Group
State: NJ

Complaint narrative:
I have a home improvement loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX WISCONSIN XXXX. My payment for the month of XX/XX/XXXX was 3 weeks late the day after I paid the bill. I received a notification from my credit monitoring service that XXXX XXXX XXXX made a hard inquiry to my credit report and my wife 's credit report. My wife contacted them about making hard credit inquiries that affect our credit scores for a bill that was not 30 days late and was paid the same day the hard inquiry was made. They told her they are allowed to make hard inquiries on our credit report without authorization to do so because we have an account with them and that it is in the loan contract we signed. I don't think this is legal. I want those hard inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
me and my ex wife had a credit card from bank of america before we divorce .the card was close in 2012 with a balance of {$5100.00} and since then this have been on my report have called several times to discuss the situation with them all to no avail.

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 2018-01-14 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: AL

Complaint narrative:
I 've sent Portfolio Recovery a debt validation letter XXXX 2017, requesting validation that the debt was mine by showing proof of an agreement with their client that authorizes them to collect on this alleged debt, an agreement that bears signature of the alleged debtor wherein the promises to pay the creditor and a complete payment history on this account so as to prove that the debt amount they wish to collect is correct. What I received from Portfolio Recovery Association was a letter from XXXX XXXXXXXX stating that the account reference has been acquired to Portfolio Recovery Association and three XXXX XXXX statements. This is NOT proof of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: PA

Complaint narrative:
This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!

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 2018-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: GA

Complaint narrative:
Hello ; To whom it may concern, I have been in an uphill battle with Hunter & Warfield ( XXXX XXXX ) which has described themselves as a debt collection company base out of Florida. Their address is XXXX XXXX XXXX XXXX, XXXX FL. XXXX. I have contacted this company several times in regard 's to a collection that I have no knowledge of other than it being listed on my credit reports, when I saw this listed I immediately contacted this company by certified mail only to receive no reply. I have been sending this company letters since early XXXX, I even called only to get a voicemail and no response. The company says that I owe them {$2500.00} and I do not know where this debt came from nor do I owe them anything. Each month they add {$5.00} to {$15.00} dollars to the account on my credit reports to show that I have not paid and to keep the debt current. I have tried to contact this so called creditor ( XXXX  XXXX ) and they are no longer in business because the property was sold by a Management company called XXXX XXXX XXXX, property management company ( XXXX XXXX XXXX XXXX, XXXX Georgia XXXX ). This company was called and I spoke to a representative and they advised that the property was sold and have no records of me having any debt with their company because all that information would be with XXXX XXXX. 

I have tried effortlessly to talk with someone at Hunter & Warfield and to no avail has anyone responded, or has the company made an effort to correct this issue. I have also told them that my identity was stolen when my home was broken into and I placed fraud alerts on all my credit reports due to a lot of inquiries and several accounts open on my credit file. This situation with this company has tarnished my credit badly and they still not have responded after at least 12 letters sent to them. This is a clear case of Credit collection bullying!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have noticed this Factoring Company named XXXX XXXX XXXX  is reporting derogatory remarks on my credit report and I have never had any accounts with them or any accounts with XXXX XXXX for this amount of monies I have had a XXXX XXXX card years ago and it was paid in full so I 'm really curious as too how this company is trying to get money from me and I never had any account owing this amount of money, the payment history is showing I have failed to pay and I do n't know what I 'm paying and why and who these people are, I would like to address this immediately and get this negative remarks removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
As indicated in complaint # XXXX, an international wire transfer of XXXX GBP from my daughter 's XXXX XXXX account to my checking account in Wells Fargo, XXXX GA, was never deposited. After 7 months of inquiries and complaints, Wells Fargo confirmed they deposited the money in the wrong account, and that they were not responsible. They told us our only recourse was to sue the fraudulent party ; however, they can not give us their identity. 

The facts are that the account number in the transfer was missing a digit ... no accounts in GA have that number of digits, The name and address of the recipient were mine! Wells Fargo did not meet any banking standard and participated in fraudulent transfer of funds. The recipient, according to Wells Fargo, contends that the funds are no longer available. Their error cost my daughter over {$7000.00}. She was transferring money to pay for her school loan.

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 2018-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I send bill pay a XXXX payment monthly and I can't contact them about balance or amount owe in the beginning and now I keep sending monthly payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX no bill no record as to where the funds are going what my balance is to date no reply web site closed down

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Partners Financial Services Inc
State: TN

Complaint narrative:
Partners Financial Services ( XXXX XXXX XXXX, Missouri XXXX. XXXX ) is showing that I have an open student loan in the amount of XXXX on XX/XX/XXXX. They show I am the cosigner on the loan. However I had a severe XXXX XXXX on XX/XX/XXXX and did n't even wake up until the XX/XX/XXXX then was unable to walk with out assistance and could not speak coherently for 11 days. I do n't have any recollection of agreeing to this or signing for this loan. I first found out about it in XX/XX/XXXX when they reached me on the phone and I told them then that it was n't mine and I had no way of paying it. Again every month after that until XX/XX/XXXX. Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OK

Complaint narrative:
I refinanced a mortgage held by Carrington Mortgage Services LLC to another financial institution in XX/XX/XXXX. I closed the refinancing on XX/XX/XXXX ; the funding was completed on XX/XX/XXXX. On XX/XX/XXXX I  contacted Carrington 's customer service department. During that call Carrington told me I was owed {$2200.00} by them and that I should receive a check for that amount in " 15 to 20 days. '' I asked to clarify that time frame further and was told to expect the payment by XXXX at the earliest and XXXX XXXX XXXX XXXX at the latest. 

I have now waited more than 23 business days and 36 calendar days -- and still have not received the {$2200.00} Carrington owes me. I have called Carrington 's Customer Service department several times ( weekly ) and all Ive gotten are excuses. I was told the check for my {$2200.00} was printed on XXXX XXXX ( XX/XX/XXXX ), and then later told it was printed on XX/XX/XXXX. I was later told the check number ( # XXXX ) and that the checks in the mail. I was later told checks take a long time to get out of the building and remember, theres lots of returns being made after XXXX so the Post Office is really busy and the checks go snail mail and its really slow as a snail. 

Ive been told to ask the mailman where it is. Ive been told to wait another week, and to wait another week and to wait a few more days and that you dont want to report that check missing, because then we just have to start the process all over again and it will take at least 30 days before another check is sent. 

It appears Carrington is deliberately slow-rolling the process of refunding money due to their customers. Request your assistance in recovering the money due to me from Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
My student loan company Navient has more than doubled my repayment plan and my salary has stayed the same. When I applied to lower my payment, my payment doubled. I am single and on a fixed income. My salary has NOT doubled however my payments have doubled.

Company response to consumer: Closed with explanation