vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
I was doing a little bit of research on my credit report and I noticed a reported agency call Medical Data Systems on my credit report, I have never did any type of business with any hospital or ever went to a hospital and if I did go to a medical business it would be my doctor which I have medical insurance to cover me so I know I would not be charged. I have never been to XXXX XXXX Medical Center in Florida I need this to be taken off my credit immediately this is not fair I have consumer rights and it 's being violated. I have tried to fix this problem with the credit bureau by disputing this account several times and tried contacting the Creditor and the hospital as well they told me that I have the right to dispute it I also filed a report and was issued a case number by the police department case number is XXXX XXXX County. My identification and Social Security was stolen a few years ago and I am a victim of identity theft and I need this to be taken off my credit report immediately on my XXXX and other. I have never done any type of surgery I do n't have any type of medical injuries or anything under the FRA I have rights. If this is not off my credit I will file charges with the district attorney office for Medical Data Systems. I have tried to fix this problem several times and they are violating my rights please have them remove this immediately off my credit report by deleting it permanently thank you and XXXX bless.

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 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
i have a report onXX/XX/XXXX saying i have a collection / charge off on a accont that was settled and closed in 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 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX deleted this company but Experian still have it on my credit report I just want my credit report to reflect the same information.this company is fradulantly trying to collect money that I do n't owe from 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 non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Coinbase.com is withholding hundreds of millions of dollars worth of Bitcoin Cash ( BCC ) from their customers after Bitcoin underwent a hard fork on XX/XX/2017. They claim that they are simply not interacting with the chain, but that is not logical.
This is hundreds of millions of dollars we are talking about, possibly even into the billions. Unfortunately like many of the businesses in silicon valley their level of ethics and integrity are questionable at best, illegal at worst.
According to the company : https : //twitter.com/coinbase/status/XXXX We need the someone to step in and investigate what exactly is happening. Without committing my own overtly illegal action or spending a large amount of money to litigate, we, the public, are left at their mercy. It should be noted that other Bitcoin exchanges have credited their clients holding Bitcoin with their RIGHTFUL Bitcoin Cash.
COINBASE IS COMMITTING A MASSIVE FRAUD and THEFT Regardless of the fact that these " crypocurrencies '' are possibly the next great Tulip Bubble in the making, people are being wronged and someone needs to step in. The best analogy would be a stock spinoff. Imagine if XXXX XXXX decided not to interact with a stock spinoff -- that would be a crime ; there is nothing different occurring here.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This complaint is in regards to a XXXX XXXX Credit Card issued by Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) Our primary complaint goes back to XXXX-XXXX-17 when we paid off our card with a payment of {$49.00}. The payment was credited to our account but we received a {$2.00} minimum charge on XXXX-XXXX-2017. We paid this in good faith on XXXX-XXXX-2017 because we pay our bills. Then Comenity Bank assessed a late fee of {$4.00}. This created a minimum charge of {$2.00} on XXXX-XXXX-2017 then they assessed us a Late fee of {$8.00}. All of these charges were assessed after the entire bill was paid and the minimum finance charge was met.
Unfortunately on XXXX-XXXX-17 we made a purchase of {$100.00} thinking there were no charges on the account. Then on XXXX-XXXX-2017 we 're were assessed a {$2.00} minimum finance charge. Receiving our statement we were surprised to learn we in total we owed assessed charges of {$14.00} plus an additional {$4.00} charge to equal {$18.00} to our account between the moment of paying off the account on XXXX-XXXX-2017 and the minimum residual balance of {$2.00} on XXXX-XXXX-2017. We spoke with the credit card company and were unable to receive any credit against the assessed charges so we paid {$14.00} on XXXX-XXXX-2017 to bring the account current. Our dismay caused us to close the account immediately ( XXXX-XXXX-2017 ). We offered to pay the remaining balance immediately but Comenity refused to take this payment due on that day because, " they are not allowed to take two payments with the same debit card on same day. '' We did make the final payment on XXXX-XXXX-2017 of {$100.00}. To our surprise we received a new statement with a {$2.00} minimum charge for " trailing interest '' on XXXX-XXXX-2017. Upon receipt of this statement we called Comenity Bank customer service. The first representative refused to remove this charge calling it " valid ''. We were referred to a second representative who also refused to remove this charge. We requested further review and received the threat, " if you want to speak with someone else you will have to wait at least 20 minutes. '' We were then informed it would be less hassle if we just paid the {$2.00}. We persisted in waiting for the third representative who reviewed our account and the previous tapes and decided to offer the {$2.00} credit to reconcile the account. In all we were on the phone approximately 50 minutes. During our wait we realized the statement declared we had been charged a total of {$49.00} for fees during 2017 and {$6.00} for interest ( although most of this were {$2.00} minimum charges ). This credit card company is dishonest to the core. I am surprised they are even allowed to stay in business. This is our second time dealing with this bank and they are the ONLY bank to tarnish my credit report for unpaid balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: NY

Complaint narrative:
On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

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 2017-08-02 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: NY

Complaint narrative:
On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX 2015 and XXXX 2015, I paid my mortgage but XXXX is reporting a 150+ days late on my credit reports. This was during a trial payment plan in regards to a loan modification.

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 2017-08-02 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: First Data Corporation
State: CA

Complaint narrative:
FirstData ( merchant processor for   XXXX   XXXX   ) allowed a customer to order my product and have it shipped to the billing address on record and keep my product and do a chargeback thus also taking my hard-earned money! I was told to supply a tracking #  XXXX -US USPS Overnight. Which I did. Now, I 'm told that I did n't provide tracking information and that I should fly out from California to Ohio if I wish to take this up with the customer directly. FirstData is saying that my proof of compliance with   XXXX   requested information is insufficient.
Desired Outcome : I want {$410.00} placed back into my account asap.
Thanks,   XXXX   XXXX  , Owner   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 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I just would like to start off to say I am a victim of identity theft and I was noticing when I pulled up my credit report that I had a collection agency on there that I 've never done business with ever in my life ccs collections. They are collecting for XXXX XXXX company which I 've never did business with in my life. A few years back my identity was stolen and social security card and everything. I have tried to dispute this many times but the company is violating my consumer protection rights under the FRA Act. Please have them remove this off my credit and delete it I have not done any business at all with this company and I know for sure that I 've never had XXXX XXXX as well this is all fraudulent and I would like this to be removed immediately thank you the next step would be taking this to the attorney general office to file charges on the Creditor company of the LLC and member of management for violating my consumer rights.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo has very unfair personal loan to pay credit card. Very Very bad customer service and makes fun of people. They have Bad currency and when I pointed this out they ignored it. They fail to understand that my funds are mine and they will not communicate in normal manner, but make fun of me. They treated me extremely badly today XXXX-2017 when I attempted to ask about credit card and loan and how to fix it. Last month I had to shut checking account down. XXXX WA state have branch

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 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: WA

Complaint narrative:
I received a letter from afni, Inc., Subrogation Department stating that I owed money, apparently from an car accident I never had. I wrote a letter to them stating that I did not owe the money and asked for validation of the debt. I have received several letter and sent several letter by certified mail. They do not respond except to send more of their computer generated collection letters. They are obviously bad apples and should be punished. I have attached all the correspondence. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In late XXXX of 2016 my husband and I took out a bridge loan with the XXXX XXXX in XXXX, NM. This allowed us to put up our XXXX XXXX XXXX XXXX valued at {$550000.00} as collateral on a bridge loan of XXXX. We wanted to purchase a small home in a retirement community, which we did. We were told we would pay just the interest each month until the XXXX XXXX XXXX sold. This loan would be renewed each 6 months if the XXXX XXXX XXXX had not sold. Sadly my husband passed away at the same time the loan came up for renewal. Rather then renewing the loan, the legal department demanded a probate on the title, which even the probate judge said was unnecessary, also a new title search etc and all new closing fees. I also kept paying the interest each month even though during the whole 6 months I never received a single statement. The whole process seemed totally uncoordinated. They said they could not let me know in advance how much the amount of the payment would be because there were different numbers of days in each month. ( ridiculous excuse ). They have renewed the loan, finally which took two months due to all the legal hassel they put me through and now my credit report with Equifax shows a 100 plus drop from excellent to fair because they apparently repiorted failure to pay off on the loan which is totally untrue. I continued interest payments even when the loan had not been re confirmed.All during the time they were processing things I was getting threatening letters regarding paying off the loan balance. Each time I got a letter I called XXXX XXXX the loan officer and she would tell me to disreguard the letters, that they automatically went out. ( Really? ) Well now they have XXXX XXXX my credi which has always been " excellent '' and I still ca n't get them to send me statements or a coupon book or an email, whatever, to advise me of the interest and date for each payment. Please help me get my credit score back and get statements of some sort.My largest payment in a month is {$800.00} And it varies from that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax does n't allow me to see my credit report online. They 're asking questions which I did n't. So, I ca n't answer correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE Group sent a letter verifying that the debt was valid. However, XXXX has verified that there was never a past due and has corrected the balance to XXXX. I spoke with a representative at XXXX office of the president ( XXXX XXXX XXXX now ) and the balance was removed. I have attached the initial account cancelation email, as well as the email showing that the balance was XXXX and a refund was issued for the remaining balance. XXXX has credited the account with the inaccurate balance to make the balance XXXX again. That email has also been attached.

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 2017-08-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
XX/XX/XXXX New Jersey Higher Education Student Assistance Authority Re : XXXX XXXX Student Loan XXXX XXXX Amount : XXXX, XXXX To whom it may concern : I do not acknowledge the debt you claim I owe you. Any such claim that your are asserting is time barred by the applicable Statute of Limitations. Any further efforts or actions from you, or any communications to me, my family, or anyone regarding your claims may be a violation of the Fair Debt Collections Act, and if so I will look to pursue my rights. This debt which you claim that I owe is based upon a private lender XXXX XXXX and is beyond the Statute of Limitations. There was and is no communication from this private entity stating the debt was transferred or otherwise placed in the hands of another collector as required by law. New Jersey Higher Education has no legal right to collect upon this debt from a private lender. New Jersey Higher Education is also a private lender. Private lenders can not garnish your wages or levy your income taxes. Further, this loan was originally for XXXX, XXXX, in XX/XX/XXXX XXXX XXXX filed a claim with government and was paid for this loan by insurance. In XX/XX/XXXX New Jersey Higher Education filed a claim with government for XXXX for the same loan. Again I will state that by law inasmuch as this was a private loan that has already passed the Statute of Limitations and there is no communication from the original creditor namely XXXX XXXX, that the debt was transferred or otherwise place in the hands of another collector as required by law, you have no legal right to collect upon this debt. I look forward to hearing from you in response to my denial of this debt. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
This compnay started to contact me a couple years back saying i owe on multiple debts that I do not recall. I have sent them ans the credit agencys mutiple validation letters requestion proff these are my accounts. They havent showed me proof at all. they keep sendinf summarys of these accounts. they havent showed my the contracts for thr origanal debt or any significant proof i am assocaited with these 3 collections. I will like these accounts to removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian credit reporting keeps reporting the same incorrect negative and false information that I have disputed and the other credit reporting companies took the negative debts off my records over a year ago. 1st on is XXXX XXXX for an apt that debt occurred on XX/XX/XXXX and it stated that it would be off on XX/XX/XXXX from my records which as of today XX/XX/XXXX it has not. Another one is WA State child support that this was an account that mistaking got on my credit reports which was removed ASAP but XXXX credit report refuses to remove after several disputes since 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 non-monetary relief
Consumer complaint received 2017-08-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
I contacted USAA several times about charges that have dated back to XX/XX/XXXX. They recently mailed new cards to the wrong address and those cards were used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation