vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
This debt collector is trying to collect a debt that was paid. They never contacted me to verify anything. They are reporting false information concerning me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00}  Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be  mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America Email, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, XXXX. XXXX FDIC. XXXX XXXX XXXX : XXXX XX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently requested a investigation on XX/XX/XXXX and XXXX XXXX received on XX/XX/XXXX via certified mail.I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that XXXX continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with XXXX and the results was the information was accurate. I directly called the XXXX XXXX telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via XXXX. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the XXXX agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and XXXX has yet to verify. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase will not allow users to access XXXX XXXX tokens that they were entitled to at the time of the fork. Withdrawl transactions are delayed beyond the amount of time it would take an account holder to remove XXXX and redeem XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Hi, In XX/XX/2017 my husband referred me to open an AMEX SPG Business Card. Since I have a XXXX XXXX and own a XXXX XXXX I thought it could be a good idea to try to keep expenses separate. I used his link, applied and was approved for the card. The offer stated that I had 90 days to spend $ XXXX to receive XXXX SPG points. I received the card in XX/XX/XXXX and used it right away to pay some expenses. I spent $ XXXX by the middle of XX/XX/XXXX and waited for the points to post. Normally, bonus points post the next cycle. After not seeing them post, I called and inquired. They opened up a case and said it can take 6-8 weeks. I inquired every now and then via chat and was finally told in early XXXX  that I was not eligible. I asked why and was told it was because I had the card before. I informed the customer service representative that I have the personal card and not the business card. I asked what date does it show me having the business card and he could n't tell me. He checked via my SSN number and agreed that I never had the card before. He said he would open a new case, but it should be resolved quickly. Thinking it would be quick I called a few times in XX/XX/XXXX. Last week I spoke to a supervisor. She told me that case is still open, but it would not go in my favor since my offer states a bonus is not available to those who had the same product. Again, I explained I have the personal card, but I never had the business version. She said they are the same and there was nothing she could do. To be honest, my husband and I love AMEX. I use the SPG cards and he does as well, along with his Blue Cash Preferred. Their customer service has been terrific except in this case. For some reason, they refuse to honor their agreement and provide the bonus SPG points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
This debt collection company is trying to collect a debt I have no knowledge of, They have not given me any prof I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I need every inquiry removed i see a lot that were not approved by me. i was trying to PRE qualify

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am XXXX XXXX due to a rare, chronic and incurable illness, and have been out of work for more than one year. The only source of income I have is XXXX XXXX which is n't enough to cover my medical needs. Navient completed a financial assessment stating I 'm about {$6700.00} short of monthly expenses. My student loans are in repayment but I 'm not able to pay them. At near default status, I was able to get on a reduced rate program for one loan. To pay this, I 'll have to forego medication each month. XXXX more loans were in the same status and after providing financial information, an amount was offered at a reduced rate of {$280.00}. Though this amount will mean I must forego more medication, I needed to accept it or risk my parents being sued for a debt that belonged to me. The payment was to be drafted at the end of each month. I received a call at approximately XXXX from the representative who set the program up for reduced payments. He told me that his supervisors manager denied my reduced payment request because of my revolving credit payments. Somehow being {$6700.00} in the negative has no bearing on my ability to afford to make student loan payments. He then said I had until XXXX to pay $ XXXX+ to add to the {$280.00} drafted today for the loan program I agreed to. He would n't give me the managers name nor transfer me. But he said my loan would officially default now, as a result which was not supposed to happen. I was mislead into giving navient access to my account. I called the advocate office and they would n't open a complaint for me. The representative was told to transfer me to the rate reduction team. From there I remained on hold for nearly 90 minutes until I finally disconnected because I was experiencing high levels of pain due to the XXXX. I do n't know what else to do at this point. These loans were already and issue because they were illegally modified for approval. But now I 've been mislead for my account access, money has been taken and threatened with loan default and possible legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax 's supervisor XXXX -XXXX has admitted to me that the company allows any business entity can ask to do a credit inquiry on a consumer and the company allows it and will not remove the false report and will not check out the authenciticity of the inquiry of the consumer. For example. XXXX did a fraudlently false credit check on my report and even after I was told by XXXX that my personal credit would not be checked or pulled several times, the XXXX company did. I brought this up several times with Equifax and they said basically to bad. but to get a police report. I did. i ; m faxing the cover letter and police report over to Equifax tomorrow and XXXX said once he got the report the company would delete all the disputed items .Equifax told me and even gave me dispute numbers to check the so called status only to learn months later that equifax never even investigated my disputes. equifax gave me dispute numbers like XXXX and many others to check the status. This is not ethical and it is deceptive in business practices. please listen to the recorded phone conversations between XXXX  XXXX and the others I spoke with that XXXX had finally admitted to me about the lies i was told and that my disputes were never really disputed in the first place. but they at equifax will tell you that they have disputed and checked into the consumers dispute. ALL LIES. On the recording XXXX even said I was told incorect information. my police report number is case XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. on XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and dergatory remark XXXX XXXX XXXX. the first 4 are false hard inquiries and the fifth is XXXX XXXX  witch is a degratory remark. that are all false and fraudently let on my credit report holding down my score. I want the CFPB to listen to the training tapes from XXXX and Equifax from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been reporting to my bank for the last 3 months about a charge from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Il. This company has charged me XXXX dollars for items i never received. I have proven to the back this and the have refused to chargeback or return my funds. This company has fraudulently forged my signature and I have provided to the bank my correct signature. At this point after I have been fighting with the bank for over 3 months they are telling me that visa says they are out of time so even though I have provided the documents and proven it was fraud they ca n't help me. Seven though I notified them of this in XX/XX/XXXX and here it is XX/XX/XXXX and they are saying they ca n't help me anymore. Chase is my bank and I have spoken to Number of people even a escalation team. XXXX XXXX is my name

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX XXXX contacted me on behalf of Navient to help with my Student Loan XXXX XXXX, 2017. I was paying Navient a monthly fee of {$45.00} with a balance of {$38000.00}. I spoke with a guy name XXXX but XXXX XXXX sent me a Contract via email stating that I could pay {$1200.00} in ( 3 ) increments and gave me the breakdown that 's all I had to pay. I just made a payment of {$390.00} on XXXX XXXX, 2017. Now I have been contacted again stating the Representative told me wrong and that I would have to pay more and my monthly payments of {$45.00} would now go up to $ XXXX+ a month. I have called several times to get a different Rep that has no clue what I 'm talking about. When you ask to speak with a Supervisor you ca n't get one and when you ask for their last name they want give it to. So finally I said the next person you speak with will be my Attorney and they said it 's no need to do that so now they are suppose to refund my money that I 've paid via bank draft ; because I 'm sure it did n't go toward my Student Loan payment. The interest rate is unbelievable and it 's Highway Robbery.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Collection Service, LLC
State: MD

Complaint narrative:
Just checked my report and noticed a debt in collection from someone or company that I 've never heard of before in my life for a debt amount I have no clue about. Need help.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PENTAGON FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Refuses to send updated account information to my account management services daily. Allowed to verify account but doesnt update.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Under the new law effective XXXX XXXX 2017 ; any public record data must include name and address as well as SSN or DOB in order for it to appear on your Credit File. The Credit Bureau has not updated the information and per the new law the Bankruptcy listed DOES NOT include this information and should be deleted from all XXXX of my Credit Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01 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: FL

Complaint narrative:
In XXXX I cosigned a private XXXX XXXX Loan for my wife. In XX/XX/XXXX, we had financial hardship and the loan went into default. The last payment on this loan was in XX/XX/XXXX. XXXX XXXX NEVER reported to the credit bureau the loan going into default in XX/XX/XXXX In XXXX, XXXX XXXX sold the loan to XXXX who took it over and reported the loan being in default in XXXX, which is not accurate, and therefor it re-ages the loan by 2 years which is also illegal. I have made multiple disputes on my credit report about this issue and it has not been fixed. I have also contacted XXXX directly and they refused to update the information correctly on my report. XXXX told me my last payment was in XXXX so requested proof from them of the last payment on the account and they could not provide it. I have bank statements attached that prove when my last payment on that loan was in XXXX of XXXX and no further payments were made after that point

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