vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: WA

Complaint narrative:
Im at writing a complaint in regards to a loan ( for {$900.00} XXXX I took out with mountain summit financial. Spoke with XXXX ( XXXX ) and she said it will cost {$13.00} daily interest to my payments. I refuse to believe they can charge this much. Ive paid so much interest and they are stating I still owe {$1000.00}. 

I have asked for loan documents and they will not provide me with a copy. 

Im very upset that they operate this way. 
I dont trust this company ( if they are a real company XXXX My previous loan with them for {$900.00} Ive paid over 100 % in interest and Would like a refund. 

They wont send document/evidence of the loan to me at all and this concerns me.

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 2019-07-31 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: TX

Complaint narrative:
I have contacted transunion and XXXX numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating XXXX XXXX XXXX will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to XXXX data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against Transunion and XXXX for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initiated an online chat with citibank, stating I was struggling to pay my bill and I asked for temporary assistance with the interest rate and/or payment amount. The agent, XXXX, checked and said " no offers were available ''. I asked again in a different way and she just pasted information about paying off my balance and it would take two payment cycles for the interest to stop if I paid my balance in full! They were unwilling to work with me.

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 2019-07-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fein, Such, Kahn & Shepard, P.C.
State: NY

Complaint narrative:
Fein Such & Crane filed Judgement and Complaints for my foreclosure failed to send required RPAPL FORMS after the Referee Sale which there is NO RECORD of it being printed in the newspaper. Alleges that they did not receive my disputes as to the balance of the balance due on the Mortgage. I have copies of the mailings showing that they did at their XXXX Office which is the address that was also on the legal documents. 
Dual Tracking occurred with XXXX XXXX XXXX XXXX and XXXX. Since they can only be considered to Dual track once per servicer it would be 4 times. They claim they were not made aware of any payments, yet they affirm the balance due as of XX/XX/XXXX and that is the same balance that is on the Judgement yet they admit their were modification payments. They claim it was the Servicers responsibility to notify them, and I never requested a payoff from them yet the letter they sent shows the payoff WITH A GOOD THROUGH DATE OF XX/XX/XXXX. Leading me to believe the sale was not held since the payoff is only good until it is sold. Their was no notifications of the sale date or postponements that even the Judge was unaware if the Sale occurred which was evident when he stated it was sold in XX/XX/XXXX and it wasn't then again in XXXX of XXXX Fein Such & Crane along with Judge XXXX ignored the LAW The 20 day, 30 day and 60 day requirements for the Order of Reference filing the Referee appointment the Referee hearing the Referee report were all years past the required date. They claim they only went by what the Servicer gave them and told them yet they AFFIRM TO ITS ACCURACY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: IL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand the following account be verified or removed immediately. 

1. XXXX XXXX | Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
Everyday for the past 2 weeks I receive a call from a fake phone number with the same area code as me and they are looking for my daughter in law. Everyday I explain she can not be reached at this number and they continue to call everyday. They always say, ok, we will note it in the file clearly there is no noting going on. I am at work when they call and can not always take a msg. The number they gave me to give to my daughter in law is XXXX Credit Corp. Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Franklin Collection Services put the collection in XX/XX/2019 and I did not aware of it until XX/XX/2019. On XX/XX/2019 Franklin Collection Services received my request of validation of an account XXXX. I have not received a response. I made multiple good faith communication to receive the certified letter requesting validation of an account on XX/XX/2019 and every 5 business days atfer. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XX/XX/2019 they are still reporting account on my credit. Which puts them in violation of various state collection laws. I am making every effort to resolve this matter without presenting this matter in court.

On XX/XX/2019, I requested a written agreement to delete the claim from my credit if I made the payment. After being transferred to the manager, he could not represent the detail of the account. He mocked me by saying he maybe will write that letter. I want to verify what he means by maybe. He replied that he maybe write it next week, next month, or whenever he wants to. He also stated that my couple hundreds dollar will not break his company. On XX/XX/2019, I made 2 phone calls to Franklin Service since XX/XX/2019 is the week after the supervisor promised to write the letter. After being and transferred and stated my name, the supervisor hung up immediately. The next call was transferred to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On said NAVY C/U account I was paying just fine, and being a business owner, and I was using that card for my business, but was seeking additional capital to launch my new website, having said that I looked for financing and was contacted by a supposed NAVY C/U loan specialist, and he said he could get me a better loan and pay off my existing one in the process, so he new all the terminology and of coarse I believed him. 
So with in a week he had Paid off {$10000.00} on my card, and I was waiting for my new card supposedly? 
He some how recharged what balance I had left, and maxed me out, you can tell by the charges, XXXX ads and more and I was frauded. 

I want to pay this off but because of this on my credit I can not get a loan to pay them off, they made me offer because they know I was frauded ... And this has been the 5th time I have been lied and cheated out of money for loans, this is hurting my ability to stay in business let alone survive in the market. 
Please help thank you with business funding not being regulated a lot of people are being scammed and this is not fair to my life and has caused many hardships due it this being on my XXXX. The other 2 companies saw the fraud and removed it! 
This card in? I believe was a user only card My mom and I were in business together she invested in it she has since passed and technically should not be on my credit if so

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please REMOVE the following inquiries due to the EQUIFAX and XXXX XXXX DATA BREACH. You must PROTECT my information & not allow people to use my personal information to apply for credit in my name. 

**Creditor : XXXX  XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX XXXX Inquiry Date XXXX XX/XX/2019 **Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX XXXX  Inquiry Date XXXX XX/XX/2019 **Creditor : EQUIFAX MORTGAGE SOL Inquiry Date : XX/XX/2019 **Creditor : XXXX XXXX Inquiry Date : XX/XX/2019 **Creditor : XXXX Inquiry Date : XX/XX/2019 I really thank you for taking the time out of your busy day to solve this DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I hold an American Express Platinum account which I no longer desire. I have no balance, on good terms, and paid the $ 550+ annual fee in advance for the year. I called CSR on XX/XX/19 to cancel the card. I was told that I had remaining membership points I would forfeit by cancelling the card. I replied that I was comfortable forfeiting all points. 
I was then told I would be charged for all membership points received to-date as that was in my Cardmember Agreement. I replied that it was highly illegal for American Express to prevent me from cancelled my account and also claim they had ground to charge me for membership points I'd received in the past. CSR refused to budge. I continued to request the card be cancelled regardless of what CSR was saying. I paid my balances in-full and I paid my annual membership fee. That was the extent of my responsibility under the Cardmember Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NV

Complaint narrative:
I have blocked the number in my XXXX  several months ago and continue to get several calls and voicemails a month, sometimes several in one day.

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 2019-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I attempted to send approximately {$50.00} worth of cryptocurrency XLM to my CoinBase account on XX/XX/2019. My transaction made it to CoinBase, but never made it into my account because a " Memo ''  line was input incorrectly. I immediately submitted a support ticket to CoinBase notifying them that the transaction had not gone through. I received a response on XX/XX/XXXX informing me that I would receive a response in 4-5 weeks. 

I followed up on XX/XX/XXXX, as it had been more than the 5-week deadline and I had not received a response. I received a response on the same day asking me to send CoinBase additional transactions to verify ownership of the account sending the funds. I lost the credentials to the account in a hardware failure and am unable to recover them, so I can not complete this request. In an case, CoinBase has already mismanaged {$50.00} that I have tried to transact to them, so  requesting additional money to recover the funds that they have already lost is untenable. CoinBase refuses to refund my money until I " comply '' with their request for additional transfers. 

I made multiple contact attempts by phone to try to discuss this matter with a CoinBase representative. The automated system informed me that I could not be helped over the phone on two occasions without connecting me to customer service. On a third occasion, the automated system simply terminated the call. 

This is within the definition of Unfair, Deceptive, and Abusive Acts and Practices in a number of ways : - I immediately contacted the organization with a host of information that would be sufficient for a reasonable person to verify that I made the transfer, including that the memo that was sent was only 1 digit off of the correct memo. 
- CoinBase has made no attempt to verify my account in any way except for requesting additional transactions ( which have a transaction fee and involve sending money to CoinBase ), stating in an email that I must " comply '' with a request to send them additional funds. 
- I would have had possession of my account if CoinBase had not held  the {$50.00} without responding to me for over 5 weeks. 
- Most importantly, CoinBase received the {$50.00} that I clearly intended to send to myself. They stand to profit from this deception for all customers who similarly are denied their funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: TX

Complaint narrative:
I have contacted XXXX and Experian numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating XXXX XXXX XXXX will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to XXXX data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against XXXX  and Experian for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I have contacted XXXX and XXXX  numerous times in last 2 yrs. about taking out fraudulent debt collection activity from my account. I have submitted police report and affidavits. It has been two years  and they keep telling me the are investigating. The investigation and it will be removed from my credit in 30 days. They keep coming back and stating IQ DATA INTERNATIONAL will not allow them to take my fraudulent debt out. I have contacted and submitted all of the above information twice via mail to IQ data. First time they stated they didn't get the mail so second time I mailed them a certified copy. I tried to call ID Data on XXXX and person XXXX, stated what I have submitted is not enough. I explained to her that I have submitted everything they have asked for. " She kept saying in LOUD voice, " it's not up to me SIR '', It's not up to me ''. I hung up and asked to speak to supervisor and left a message. " She was in a Meeting ''. No call back from her. I have already submitted complain against ID Data earlier. This complaint is against XXXX  and XXXX for failing to take out false information from my credit report for two yrs while acknowledging that they have everything they need from my end for submitting a fraudulent account information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-31 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto Finance is currently data furnishing illegal, erroneous and outdated information to all major credit bureaus. I have sent three written demands ; Validation Demand, Estoppel Letter and Intent to Sue in hopes of obtaining a complete account history and ultimately correcting their records in order to correct the bureaus reportings. I have only received one letter in nearly 120 days of my attempts and the letter simply states they would like to speak to me. I have a legal right to complete my written request and keep all communication in writing. This company has violated the Fair Credit Reporting Act in multiple ways. I am in desperate need of having this account data corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31 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: CA

Complaint narrative:
On or about XX/XX/XXXX I noticed in my XXXX XXXX app that monitors my credit scores that my credit score dropped, and there was a hard inquiry. The entity that pulled the hard inquiry on XX/XX/2019 is the following : XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I tried to call this number and it always said all circuits are busy. 

I did not authorize this inquiry. I have not authorized anyone for a hard inquiry recently, and my banker said they did not ask for this inquiry.

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 2019-07-31 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:
Please REMOVE the following inquiries due to the XXXX  and XXXX XXXX DATA BREACH. You must PROTECT my information & not allow people to use my personal information to apply for credit in my name. I have attached all of the inquiries.

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