vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-17 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have always had an excellent relationship with XXXX and since Navient contacted me about my XXXX Loans in XX/XX/XXXX my health has deteriorated and I landed in the hospital and placed on XXXX XXXX due to their stressful approach and threats to myself and cosigners. I am on a Navient payment plan, and my payment date was scheduled after the credit reporting date of the company, and my student loans were reported as sixty days late in XX/XX/XXXX. Prior to this I called several times and spoke with customer service agents on a recorded line, who assured me on dates and my scheduled payments to remain current. I specifically asked " what date you recommend according to Navient 's reporting date, that I should pay ''. I have always been in contact with them in regards to remaining current. I further contacted management to investigate and confirm it and they said they don't know why my payments were scheduled after their credit reporting date, and there is nothing they can do. Now my credit report shows that I was 60 days late impacting my ability to receive credit, having lower interest payments and my standard of living has diminished. This information has been reported to my XXXX report. Is it the goal of Navient to scare, threaten or place students into a destitute situation? I have always strived to be a good citizen and pay my debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
GM financial has failed to update my positive payment history since XX/XX/2017. I contacted GM three times about the issue. I was told they would update my credit reports. After no update, I was told I have to dispute the issue with my credit beuraus and it will take 30-45 days to see the matter resolved. This is their job to report. I made the payments on time for the last three months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
I had tried and order these few pair of replica shoes from a XXXX website and from the time I sent the payment thangs where heckled I Attached a few emails that was from western union also from the receiver

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates lead me to believe that if I paid two separate accounts that they would remove them from the credit reporting agencies. They have not removed them and they have also been improperly reporting them to the credit agencies. They are still listing them as in an open and unpaid status. They have been paid back in the summer of XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: CA

Complaint narrative:
XX/XX/XXXX Paid merchant for repair of equipment XX/XX/XXXX Advised merchant that repairs were faultly as systme not longer worked. 
XX/XX/XXXX Attempted repairs via walkthrough on telephone by merchant Unresolved and Merchant advised to bring in alleged faulty item back to store. 
XX/XX/XXXX Merchant advised that part was fine, I replaced the part into machine and still the machine would not work. 
Merchant advised that a home visit would be necessary XX/XX/XXXX Merchant unresponsive. 

XX/XX/XXXX Contacted Bank ( Credit Card ) for reimbursement XX/XX/XXXX Bank advised response from vendor indicated no record of my account being charged. I sent my statement showing vendor did in fact charge me. 
XX/XX/XXXX Bank sends letter indicating that I still have the merchandise and the matter was closed. I reminded the bank that my dispute was for services rendered that was faulty and NOT the purchase of goods. 

XX/XX/XXXX Contacted Bank Again to advise to re-open and re-investigate. 
XX/XX/XXXX No response from bank of htis date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
EXPERIAN XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Request for Investigation of Unauthorized Inquiries Dear Sir or Madam, I checked my personal credit report, which I paid for from your organization and I noticed unauthorized inquiries had been made. 
I contacted each of the following companies, who conducted each of these inquiries and requested proof that I authorized them to pull my credit report. No proof has been forwarded, therefore I asked them to remove the credit inquiry they placed to my credit profile. 
I request that you initiate an investigation into the following inquiries and have them deleted ASAP! 
1. ) XX/XX/XXXX XXXX XXXX ( I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ), please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX 2. ) XX/XX/XXXX XXXX XXXX - Again I did not authorize my credit pulled by this company on this date. The only time I have ever authorized XXXX XXXX to pull my credit was on XX/XX/XXXX ) 3. ) XX/XX/XXXX or XX/XX/XXXX XXXX XXXX -- - I never authorized them to pull my credit please delete this inquiry or provide me with a document showing my authorization to pull my credit at anytime in XX/XX/XXXX, Please delete this inquiry! 

Once your investigation is complete and you find my allegations to be true, please remove the unauthorized the inquiries and send me an updated copy of my credit report at the address listed below. If you find the inquiries referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I submitted a complaint to this company on XX/XX/XXXX with an extremely in-depth case and proof as to why this debt should be removed immediately from previous medical reasons. 

The company responded on XX/XX/XXXX and said " We have closed this account and ordered a deletion from all the credit bureaus to which we provide credit information. '' I expected the company to honor this, however after re-reviewing my credit report today it looks like the company has still reported this as of XX/XX/XXXX on my XXXX Credit Report. I would like to have this removed immediately as they've already stated they would do so. 

Thank you for your help. Please see the attached image.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXX time frame using log cabin XXXX XXXX Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX high school in XX/XX/XXXX for 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state..

Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..

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 2018-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.

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 2018-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
XX/XX/XXXX {$2.00} ATM fee from a ATM that is owned by XXXX and does not charge ATM surcharge. 

XX/XX/XXXX Transaction declined and no warning that the maintenance was scheduled, or servers down was sent to any customers. Did not find out until the called to get information and when trying to talk to representative phone goes busy. Now we have several thousand people with American Express credit and prepaid accounts not able to access funds at all since XXXX CST. 

Still no time frame for a resolution to issue and when funds can be accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: FL

Complaint narrative:
Company AFNI is stating that they're attempting to collect a debt in the amount of {$220.00}. These was never a debt own to XXXX at anytime. I did in fact reach out to XXXX and they stated there has never been a debt with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Frauding scams frauding my XXXX and XXXX and XXXX documents in XXXX PA shown fraud scams in XX/XX/XXXXtime frame using XXXX XXXX XXXX worker Then others frauded my XXXX familys documents with XXXX XXXX None of those documents are from Pennsylvania state None live in Pennsylvania. State of any of these years Last time I was in Pennsylvania state was XX/XX/XXXX time frame But I went to XXXX XXXX XXXX in XX/XX/XXXXfor 9 months before moving back to XXXX Indiana Indiana Others put in XXXX Pennsylvania frauding my XXXX Indiana high documents Federal not interested in Pennsylvania state and federal refuse any date offers from Pennsylvania state and won't marry into the state.. 
Pennsylvania state didn't own new York state one health department of XXXX XXXX XXXX from new York state of my birth father, Pennsylvania state doesn't own my XXXX   county Indiana birth certificate attached to XXXX Indiana Indiana serial numbered documents of superior court of XXXX county Indiana, Pennsylvania state don't own my family 's XXXX serial numbered documents of XXXX Indiana attached to my grandma documents of prior home deed and marriage and divorce serial documents Frauding scams frauding XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania state is not the owner of my grandma grandma or mom 's documents of XXXX death record and my great great grandparents have never lived in Pennsylvania state. 

Frauding scams using death record of XXXX XXXX married to XXXX XXXX sir name of XXXX a XXXX Indiana corners record and there last home which they owned was in XXXX AZ, but both barried in XXXX Indiana serial numbered grave and as serial numbered corners records.. private furnal..

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 2018-02-18 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: MI

Complaint narrative:
XX/XX/2018 NOTICE OF LAWSUIT SETTLEMENT OFFER EXPERIAN XXXX. XXXX  XXXX XXXX TX XXXX To Whom it may concern : I regret to inform you that your company is now the target of a lawsuit due to an endless circle of grief you have caused me. You have violated the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act on multiple occasions as described in the following lawsuit. I have an extensive paper trail along with substantial proof of these violations. 
I am willing to settle this matter and save us both aggravation of fighting this out in court. I am willing to withdraw the law suit upon. 
1. Immediate Deletions of the following Accounts 1. Public Record Account # XXXX 2. Immediate Deletion of all Inquires 3. Removal Of Identity Theft Alerts 4. Update My name and address as per my Drivers License Do these things within 5 days of receipt of this notice and I will immediately withdraw the lawsuit against your company. If you wish to settle this matter you may contact me at the address listed at the bottom of this letter with an updated credit report with the necessary changes Thank You for your help in this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX DOB-XXXX SS # 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 non-monetary relief
Consumer complaint received 2018-02-18 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 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: FL

Complaint narrative:
There is an issue with the reporting agencies using their own methods of scoring a FICO score. I read on the FICO website that the agencies are allowed to use their own method to score a FICO score, WHY? IF businesses are using a FICO score in which the standard of that score keeps changing, then how is that Fair Credit Reporting? I recently needed a FICO score for a home mortgage application and the FICO from all three agencies were vastly different with the bottom score being 80 points lower from the top score. Needless to say I didn't get the loan. These agencies need to be held to a single standard if businesses are going to use them in their credit reports and analysis of peoples credit applications.

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 2018-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Case # XXXX. On XX/XX/2017 I sent XXXX of a bitcoin from my mobile wallet to Coinbase. Funds never appeared in my account. Coinbase customer support haven't responded to any of my emails and no funds in my account to this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
Conversations via phone and mail were held by power of attorneys and XXXX representatives. They have failed to verify or validate their claim according to law. When identity theft was suggested, they removed a few of the reports from the bureau but not all. This situation dates back beyond the statute of limitations of any debt. This is the final attempt to have XXXX cease and desist before we pursue litigation for false reports, libel, and other violations of the FTC and the FCRA. 

The claim now is dated for XX/XX/2018. Clearly XXXX continues to not only falsey report an invalidated claim, but unlawfully renewing a claim which they initially dated a decade ago. 

C/O XXXX Account Claims # 's XXXX,XXXX,XXXX,XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Data Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a check to XXXX XXXX in the amount of {$780.00}. The XXXX office redeemed my check electronically. Then, they deposited the paper check into their account, resulting in a duplicate charge for the same check. On XX/XX/XXXX I discovered the duplicate charge and disputed it through my bank. On XX/XX/XXXX the bank concluded its investigation and permanently credited my account the amount of the duplicate charge, {$780.00}. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment for the duplicate check that had already been disputed and resolved. I opened a complaint with the XXXX XXXX XXXX on XX/XX/XXXX against XXXX XXXX with instructions to cease and desist sending threatening letters from their collection agency for a debt I do not owe. I also sent a note to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a copy of the notice from my bank that their investigation had been concluded in my favor. In my note, I stated that I do not owe this money and that I expected the matter to be concluded. 

On XX/XX/XXXX I received a response through the XXXX XXXX XXXX from XXXX XXXX. They state they did not forward this account to collections and that my account has a XXXX   balance. 

On XX/XX/XXXX I received a second letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX demanding payment. 

Either this is outright fraud or widespread incompetence. Either way, I do not owe this money. I expect XXXX XXXX XXXX XXXX  XXXX to cease and desist sending letters and to refrain from any negative reporting to credit agencies. I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I'm trying to close my CD account with CaptialOne 360 at maturity but the button is not working on their website. I click on " At CD Maturity close account and transfer to Savings Account '' and I click Continue button but the button does nothing. I tried several times over the course of a month. The default action of the CD setting is to start a new CD at a much MUCH lower interest rate when the CD matures. My guess is that many other people are affected ...

Company response to consumer: Closed with explanation