vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
response to : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection XXXX : sent a billing statement as of XX/XX/XXXX with a payment due date of XX/XX/XXXX. 

I paid the full amount on XX/XX/XXXX. This was not reflected in any billing statements. XXXX sold the loan to XXXX/XXXX. 

Did XXXX sell my loan after I paid it in full? 

Did XXXX still continue to express that I had a payment due on XX/XX/XXXX when they sold the debt in XX/XX/XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please remove any fraud alerts or remarks from my credit. It is preventing me from establishing instant new credit.

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 2018-05-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Conn's, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company fraud department to dispute accounts and was told that accounts were mine. I requested validations for the accounts and still have not received validation. The accounts are still being reported negatively on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove any fraud alerts or remarks from my credit. It is preventing me from establishing instant new credit.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove any fraud alerts or remarks from my credit. It is preventing me from establishing instant new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Can't get XXXX but experian can sell me on all of their other products and it is no problem accessing any other product but XXXX   When inquiring about the error you always get transferred to membership dept which is nothing but a sales department for you to upgrade to a monthly membership vs the {$1.00} trial membership.

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 2018-05-04 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: VA

Complaint narrative:
I had an incorrect late payment reported on my report without me knowing it for 8 month from XX/XX/2017. I only found out about this when I was denied a home equity loan. After dealing with each credit reporting agency, I did get those late payments deleted, however, my credit score was still massively lower- XXXX down to XXXX during this process. It is entirely unreasonable and inappropriate for 1 late payment over the course of 20 years of credit to drop my credit score by 85 points and take it from excellent to marginal. This is unacceptable. Consumers should have free and available access to their credit reports and scores and be notified of any changes up or down by any agency that is touching a consumers credit. In fact, I do not believe private companies should be able to hold this power. I urge CFPB to look into making credit scores available to consumers and the process by which the scores change public. Consumers should understand what and by how much their credit score will change with any given infraction or action. Please protect consumers and take the guesswork out of credit reporting and scores.

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 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: PA

Complaint narrative:
Debt owed to XXXX XXXX on invoice no XXXX   XXXX for {$260.00} sent for collection was under discussion with XXXX. This point was made known to AMCA and also mentioned that the bill had been paid after expected discount was received. At least 2letters had been written to AMCA on this. It is also easy to verify by calling XXXX XXXX Customer service no and filling in the invoice no. I was surprised to receive another mail from AMCA TODAY threatening to spoil my good name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: GA

Complaint narrative:
Since XX/XX/XXXX Experian has been reporting false information to my credit le held by their organization. I aware that Public Records type information is public, however, I am also aware that main provider of this information is XXXX. Therefore, Experian is in violation of the Fair Credit Reporting Act for false reporting. My rst attempt was sent via certied mail USPS ( XXXX ) resulted in a return receipt as undelivered. However, Experian did respond saying the information was " verified ''.

My second attempt to resolve the false reporting of information was received via certied mail USPS ( XXXX ) on XX/XX/XXXX. In the letter I challenged the accuracy, compliance and report-ability of the listing. Experian responded with a letter claiming to have veried the public record. I sent a letter to the UNTIED STATES BANKRUPTCY COURT - XXXX XXXX of Alabama formally requesting their procedure for verifying records with the credit reporting agencies. The Bankruptcy Clerks Ofce stated, Credit reporting agencies regular collect information from the petitions led and report the information on their credit reporting services. How did Experian verify the public record if creditor, in this case, UNITED STATES BANKRUPTCY COURT does not provide information to credit reporting agencies?

My third attempt was received via certied mail USPS ( XX/XX/XXXX) on XX/XX/XXXX. I again requested validation, accuracy, compliance and report-ability of the listing. I also attached the letter from the UNITED STATES BANKRUPTCY COURT, and requested their method of validation, and declare an opt-out of XXXX  verication. Once again Experian response deemed the information veried.

Laws I can potential le for : 1 ) FCRA Section 623 XXXX v. XXXX XXXX   XXXX  US Court of Appeals of the Third Circuit Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. No. XXXX ) 2 ) US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. 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 2018-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center
State: NY

Complaint narrative:
XX/XX/2018 - I received a call at work asking for me under my name maiden name. Quickly I responded and said there is no one under that name. 
I check my credit report because I don't want any surprises, I noticed they were seeking my information. 

I find that this debt collection agency to be in breach of FDCPA, prohibits debt collection calls to your job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
After sending information to verify myself with my disputes, as of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. Equifax has violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below Equifax ACCOUNTS XXXX XXXX late XXXX XXXX late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS  XXXX {$79.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX   XXXX XXXX {$3800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: DC

Complaint narrative:
response to : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection NELNET : sent a billing statement as of XX/XX/XXXX with a payment due date of XX/XX/XXXX. 

I paid the full amount on XX/XX/XXXX. This was not reflected in any billing statements. NELNET sold the loan to XXXX. 

Did NELNET sell my loan after I paid it in full?

Did NELNET still continue to express that I had a payment due on XX/XX/XXXX when they sold the debt in XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
In XX/XX/XXXXmy parents took out a student loan with me, more than they should have, but they had XXXX kids in college. I believe the original balance was around XXXX. I joined the United States XXXX XXXX that fall. Navient was updated on my status, but failed to comply with the Soldiers and sailors civil relief act I believe charging 13 % interest for years. From XX/XX/XXXX to XX/XX/XXXX my parents would ask me to send them an XXXX to show I was XXXX XXXX every now and then. What I did not realize is Navient was telling them they could defer payments and it would not report as late. FOR 10 years the loan did nothing, but occur interest and I am certain Navient had a huge smile on their face while doing so. in XX/XX/XXXX I believe, my parents received a check from a settlement company that sued Navient for not complying with the Soldiers and sailors civil relief act for the difference of the interest at the time. Now 13 years later the balance even while my parents have made payments does not drop below {$50000.00}. I have called Navient to get any information from them in regards to the interest rate and for a copy of the original contract. THEY LITTERALY hang up on me every time I have asked. They will not provide me with the information, I firmly believe, that they either do not have it or are violating many laws and probably the contract itself. 

I will do some basic math to make my point. I have had this loan for 13 years now. Lets just pretend my interest rate is % 5. If I wanted to pay this loan off in the next 15 years ( now making the loan be a part of my life for 28 years ) I would have to pay {$390.00} a month for the NEXT 15 years. That is insane! They are the most predatory company I have ever dealt with. When they get you under their thumb, they never pick it up until someone else finally has enough money to stand up to them. Please help in any way possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
The company has sent me an incorrect form regarding the VOD- per a prior statement on another complaint they indicated the name of the provider is at the top of the sheet- however it is not. Therefore the document provided has nothing to do with the alleged debt and is not applicable to this. You can not send another providers information claiming it is applicable- clear violation. Since the company is unable to provide further documentation this needs to be off my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MT

Complaint narrative:
AFNI has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Riverwalk Financial Corporation
State: IN

Complaint narrative:
I received a fault student loan collection that I was not aware of the amount of {$55000.00} and is not reported on my student loan servicing, this is scam collector company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company to dispute accounts and requested validation of the accounts. The accounts are being reported on my credit reports negatively. I have submitted FTC and police reports to company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX  and Citi are withholding credit from companies that deal in firearms which will obviously cause some to go out of business. This will affect my Second Amendment right to purchase firearms for self defense. This after my tax money was used to bail them out after their incompetent business dealings.

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 2018-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
on XX/XX/2018, my checking account was in credit by {$880.00}. On the same day 3 debit transactions were posted to my account in the value of {$90.00}, {$0.00} and {$1700.00}. 
The bank charged me 3 overdraft fees of {$37.00} for each transaction even though there was sufficient funds to pay for the first 2 transactions amounting to {$90.00}. 
I was therefore charged a total of {$110.00} for overdraft fees in one day. 
I spoke to the Branch Manager and complained about these charges but the Bank refuses to reverse 2 of the 3 overdraft fees. I also sent emails complaining that these overdraft fees were unreasonable charges and that I would accept an overdraft fee of {$37.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase is an online platform for buying, selling, transferring, and storing digital currency. 

Currency can either be stored in a 'Wallet ', which acts like a current account and facilitates instant transactions, or a 'Vault ' service, which is advertised as a more secure method of storage. I decided to go with the more secure option and transferred all my funds into the 'Vault '. When setting up a 'Vault ', you are required to provide a secondary email which is used to verify and initiate withdrawals. 

On XX/XX/XXXX I initiated a 'Vault ' withdrawal, but soon realised I no longer had access to this secondary email address as it belonged to my former employer. 

There is no method to update this secondary email address via the Coinbase user account. I emailed Coinbase on XX/XX/XXXX to notify them of the problem, and received an automated response to say the only action was for the 'Vault ' to be closed and funds transferred back to the 'Wallet '. 
This would be a satisfactory outcome, however despite numerous attempts to contact Coinbase, I have only received further automated responses. I have carried out some research online and discovered numerous other people with similar problems, many of them reporting they are waiting 6+ months without resolution : XXXX XXXX XXXX I'm now deeply concerned for my finances and by the Coinbase operation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Gerald E Moore & Associates, PC
State: IN

Complaint narrative:
I broke my lease with XXXX XXXX early so I could move in with my now husband. The lady in charge advised me I would only need to make a payment of {$1300.00} and it would be paid in full. I got out cash and money order from my bank ( which I have copies of ), handed the money order directly to the lady in charge and turned in my key. I provided her with with my new address, phone number, email, etc. to follow up because they still needed to do an inspection. There was no damage done to my apartment as I barely stayed there. I never received any kind of correspondence, no email, no call, etc. It wasnt until I was checking my credit report I noticed a collection agency reported that I owed {$1700.00}. I call them, they say I never paid for the lease break, and also never provided the apartment complex with a follow up address to reach me. THAT WAS REQUIRED on the paperwork I filled out to break my lease! I dont know where they are getting that I owe this money from. Im to the point now I want this off of my credit report. Everytime I have tried to call representatives are rude and sound like they have no proper training on how to speak on the phones. I myself, work in collections so I know how this goes and Im not rude to those willing to pay on something they ( dont even ) owe. I called today to see if I can try to work out something to pay this off, of course I dont have the full funds to make a full payment this month of XXXX, but am willing to pay something this month on it. The guy was very rude, unprofessional, and told me they would just call me back on Monday? At this point I am over it, I have the documents showing I paid this off in full, I am done messing with these people because they are not willing to help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My name is XXXX XXXX I have a Mortagage with Chase I've had my Mortgage with them since XX/XX/XXXX and I have never been late or missed a Payment I pay my Mortgage every XX/XX/XXXX of the month in the amount of XXXX over the phone, on the XX/XX/XXXX, or XX/XX/XXXX of XX/XX/XXXX I decided to pay extra towards my principal in the amount of XXXX $ dollars to be debited on the XX/XX/XXXX, on the XX/XX/XXXX of the month I called chase to make my mortgage payment in the amount of XXXX which is my mortgage amount, I was debited twice for the online payment of XXXX plus the XXXX $ dollars for principal, and the phone payment in the amount of XXXX. I called to check to see if my payment was accepted as I do every month after every over the phone payment and the recording said XXXX plus dollars I called chase immediately and they returned one payment and asked me which one did I want to pay I told them to disregard the additional XXXX $ just my regular payment they debited one and returned one. I received a letter the next month stating I didn't pay my mortgage in the month of XX/XX/XXXX I've sent them bank statements from My bank XXXX as well as copies from my bank statements, plus I bank with chase and XXXX and chase can see I paid, I tried contacting XXXX cause my credit score has dropped tremendously. Chase will not help me. I also talked to Managers, several people at the bank that also said they see the error but its nothing they can do. I'm out of XXXX that I cant afford and my credit score has been affected and they are calling me a  Thieve and a Lier!!! I'm neither I pay my bills

Company response to consumer: Closed with explanation