vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
In fall of XXXX, I cancelled my home internet, cable and phone with XXXX to take an offer another company. I paid my bill and XXXX sent a box to return the equipment. That box never arrived, so I called and asked for another box. I returned the equipment ( modem ) in that box and that was that. 

Starting in XXXX, various collection agencies attach a $ XXXX collection to my credit report. Calls to XXXX are completely unhelpful - after hours, I finally found out that they are stating that I never returned the modem and that is the charge with the collection agencies. The collection agencies won't remove it and XXXX won't remove it as it has " gone to collections '', but it is not payment that I owe, so I refuse to pay any amount. 

Just recently, another collection agency posted to my credit report that this was a new debt from XX/XX/XXXX, so I don't even have the option of it aging out of the system ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I was informed that Barclays closed my credit card. I have had this account since XX/XX/2011. I believe I was targeted and unfairly stigmatized by this institution. I currently have a balance of {$2100.00} with {$2400.00} credit line.

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 2018-02-12 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: FL

Complaint narrative:
I have contacted Equifax regarding them not reporting two credit card accounts that are reporting on XXXX and XXXX. The accounts are XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX. I am not sure why Equifax is not reporting the accounts, because the company has sent them the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: NC

Complaint narrative:
My XXXX XXXX XXXX credit card account was closed in XXXX. I continued to make payments until XXXX, and ultimately the account was charged off in XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XXXX with XXXX and XXXX ( TransUnion is reporting closed status as of XXXX ). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.

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 2018-02-12 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: NC

Complaint narrative:
My XXXX  XXXX XXXX credit card account was closed in XX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXXwith a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX  XXXX is still reporting the account as open through XX/XX/XXXX with Equifax and XXXX ( XXXX is reporting closed status as ofXX/XX/XXXX ). In addition, XXXX  XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called Bank XXXX XXXX XXXX XXXX asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: NC

Complaint narrative:
My XXXX XXXX XXXX credit card account was closed inXX/XX/XXXX. I continued to make payments until XX/XX/XXXX, and ultimately the account was charged off in XX/XX/XXXX with a balance in excess of {$5000.00}. A XXXX was issued in XX/XX/XXXX, which was filed with my tax return and paid to the IRS. XXXX XXXX XXXX is still reporting the account as open through XX/XX/XXXX with XXXX  and Experian ( XXXX is reporting closed status as of XX/XX/XXXX). In addition, XXXX XXXX XXXX is still reporting the aforementioned balance on all three credit bureaus. I have called XXXX XXXX XXXX  multiple times asking for the balance to be updated to {$0.00} and mark the account as closed. They are refusing to do so, stating that I am able to make payments on the debt if I wish. Please help me rectify this matter.

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 2018-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Opportunity Financial, LLC
State: TN

Complaint narrative:
I am being contacted everyday, with the exception of Sunday, for a month. The want the loan paid but, I am unemployed and a XXXX veteran. I have tried to explain this to the company. However, they continue to contact me. It's the same thing everyday.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I have been working with XXXX to save my home. My lender ( Wells Fargo ), after I submitted paperwork from XXXX in XXXX, including, hardship letters, bank statements and tax returns told me, via phone call, I did not qualify for a loan modification because I was " over 37 months delinquent '' and made no indication of reviewing the documents submitted by XXXX. 

When I spoke with the Wells Fargo representative, on XX/XX/2018, I was told that I was 1 ) Considered as delinquent since I was not paying the full monthly mortgage figure ; and 2 ) Had extra late fees now attached to my mortgage ; and 3 ) was in a category identified. The only option I had was to pay the full amount owed {$110.00}, XXXX by XX/XX/2018 or conduct a Short sale on the property. 

As of today, I have not received a denial letter from Wells Fargo underwriters with notes for the denial regarding the rejection for loan modification. All I want to do is pay the amount I owe, less the add-on penalties and late fees, and restructure the loan. I have attempted to sell the condo two times in the past five years, but have been unsuccessful, due to condominium management negligence. I am in imminent danger of foreclosure. Filling this complaint is my last resort. 

I have a court date scheduled for Friday, XX/XX/2018 for a foreclosure hearing.

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 2018-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.

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 2018-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I tried to open a bank of American account last year and a few years back and they keep telling me to remove something that was on my XXXX 4 years ago. Its no longer on there the bank said it was a mistake but Bank of America still wont open the account

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 2018-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bliksum, LLC
State: CA

Complaint narrative:
Debit collector called my boss at work and left a message and then proceeded to give him information about this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE
State: NJ

Complaint narrative:
In 2012 Hurricane Sandy had totaled my truck. I was told that my insurance at the time, XXXX, had paid out the value of the truck and the GAP insurance would cover the rest. In 2012 I also had a XXXX XXXX so I took the information as fact and never followed up to make absolutely sure the balance was gone completely. I just had my credit pulled and it is saying they had charged off a balance on the account. I just called them to try and tell them what the situation was but they just wanted the balance and wouldn't acknowledge the fact that I had GAP insurance at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I wired the money to Coinbase on XX/XX/XXXX XXXX and on XX/XX/XXXX XXXX it never reached my account I called the company and sent emails as well my bank tried to catch them without success just on XX/XX/XXXX they only wired me XXXX and i still waiting

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX '' XXXX XXXX " late payment XX/XX/XXXX XXXX XXXX XXXX ' late payment XX/XX/XXXX'' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXXXXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX " open account $ XXXX " Transunion, XXXX and XXXX  have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, 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 2018-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.

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 2018-02-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please see the two attached inspections, one from XX/XX/XXXX and the second one from XX/XX/XXXX. 

Regarding the inspection fromXX/XX/XXXX : 1 ) My contractor watched me sign the original report, which stated 90 % ... ... I never signed a report that stated I was at 60 % nor would because I would not have been in agreement with XXXX report was changed to 60 % AFTER I signed the report at 90 % .... ( ILLEGAL )!!! 

2 ) Please see the report fromXX/XX/XXXX, which stated we were at 75 %, it also stated that windows need to be installed, siding needed to be applied to the house, insulation and sheet rock needed to be done. 

3 ) Since theXX/XX/XXXX report at 75 % - The following items have been completed : Hurricane Windows Installed, Siding Installed and Painted, Insulation Installed, Sheet Rock ( tape and skim coat ) Installed All of the items listed completed and have also passed inspection with the City of XXXX XXXX XXXX. 

4 ) Also please note that in the report fromXX/XX/XXXX states office, porch and deck. There has never been an office or a back porch on that house since the day I purchased the house. The deck was a 4 wide 10 deck that was actually a step up to the back door of the houseinsurance did not pay for this deck because it was an outside feature that was not a part of the claim.. The deck was termite infested so I had it removed and there will not be a Deck added back, just steps up to the back door. Whomever gave the inspection company the information regarding office, porch and deck gave wrong information, which wrongly affected the percentages of the XXXX report..unfortunately the report was written based on that incorrect information. 

5 ) The XX/XX/XXXX report was correct at the time regarding the 75 % and we have now completed many of the items that were listed on the XX/XX/XXXXreport, so we are certainly between 87 % and 90 %, that would be more accurate.

Please review all that I have written carefully..the XX/XX/XXXXreport was erroneous and also fraudulent regarding my signature, which that alone give way for a lawsuit from me the homeowner. I am 100 % disputing theXX/XX/XXXX report based on wrong information going in and the fraud that was committed with my signature by the inspection company. Please note that I am documenting all including but not limited to this email regarding evidence for a lawsuit for I have been displaced for three ( 3 ) years as of today..the fire was XX/XX/XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Account Control Technology, Inc.
State: VA

Complaint narrative:
Collector discussed the debt with my wife without my permission. They went as far as offering her a settlement. My wife is not on the debt with my in fact my ex girlfriend is. They also did not verify my wife 's identity.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX on XX/XX/XXXX. The amount I was required to pay was XXXX XXXX dollars for my co-pay, which was paid in full. XX/XX/XXXX I received a bill from XXXX XXXX for XXXX XXXX XXXX dollars. I spoke to the manager who told me to talk to my insurance company. I spoke to billing who said I was only suppose to pay the co-pay. She also emailed me a copy of the explanation of benefits ( which is included ). XXXX XXXX XXXX reported the erroneous information to the credit bureau, which dropped my scores.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX did not send a collection notice before reporting to the creidit bureaus.They reported to the crdit bureau on XXXX XXXX and then sent a notice on XXXX XXXX. 

Several attempts were made to have the information on my credit report validated and corrected but the agent at XXXX XXXX XXXX refused to provide validation of the account an refused to correct any erroneous or outdated information. The name of the agent was XXXX XXXX ( lead supervisor ). In addition, several messages were left with XXXX XXXX but she never returned the call. XXXX XXXX is a senior executive.

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 2018-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I tried to log onto HSBC internet banking. I logged in and a message said that I needed to contact them because there is a block on my account and I cant see my info. So I called and an hour later I still hadnt gotten anywhere. They just give me the runaround. Now, Ive currently got an open dispute that Im waiting to be resolved. I couldnt see my information to see if its been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX charged me. i never authorized that charge or even get their credit card. after calling them repeatedly i was unsuccessful. i filed a dispute with TransUnion. The response from TransUnion on XX/XX/2018 was that they reinserted in my credit report with no explaination.

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 2018-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This scam uses many, many different telephone # s. These harassment calls only started when I dropped XXXX XXXX XXXX as my home and cell phone carrier, so the calls could be originating from XXXX XXXX XXXX --  who else would have an endless supply of fake telephone # s to call from?? The calls are recorded and talk about reducing Student Loan Debt. 
I HAVE NEVER HAD A STUDENT LOAN IN MY LIFE.

Company response to consumer: Closed with explanation