vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I 'm a victim of identity theft. My XXXX XXXX XXXX credit card has been lost, stolen and compromised. All of the charges on the account is fraudulent transactions. I never used my XXXX credit card account : XXXX. All of the charges are fraudulent transactions and unauthorized.

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 2017-09-15 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: OR

Complaint narrative:
It has been XXXX weeks since Equifax learned of a massive data breach. My data was among that potentially stolen. My state requires expeditious notification in the event of a data breach ( XXXX XXXX XXXX ), yet I have yet to receive any direct communication from Equifax. Further, my only recourse at this point is to freeze my credit file, a service the company CHARGES FOR! Equifax failed in its security obligations, failed in its notification obligations, and now seeks to profit off a disaster of its own creation. 

Please use whatever authority at your disposal to force Equifax to freeze credit for those affected, AT NO CHARGE. I would also encourage you to push for free credit monitoring FOR LIFE. Roughly half the adult population in the US was affected. A year of credit monitoring is an insult. 

Further, please encourage the Congress to look into instituting a National ID with multiple levels of authentication so we can finally move away from using SSNs for everything. 

Lastly, this industry should charge its fees on the inquiry side. Consumers should have year-round access to their credit profiles, and convenient dispute mechanisms. My credit report is full on inquiries from companies seeking to sell me services. They are the ones that should be paying, not me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Premier Portfolio Group
State: NE

Complaint narrative:
They call my cell phone, my house phone, and my wife 's cell phone repeatedly about XXXX times per day. They are calling about a supposed bad check that I wrote to a payday loan agency that I 've never been too, and I 've checked with my bank and there was no bad checks written. I called them and spoke with the representative that is handling my supposed account, and asked him to stop calling me and my wife. The phone calls continue, and I need them to stop harrassing me and my wife for this apparent debt that I do not owe. He also told me that a judge is going to sign off on the debt and will garnish my wages at XXXX %. I work for a payday loan agency and I know this is false. I need them to stop calling and harrassing me and my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XXXX XXXX, XXXX I wired {$21000.00} to Coinbase , Inc . The wire was sent from my credit union, XXXX XXXX of XXXX, to Coinbase 's bank, XXXX XXXX Bank. I spoke with XXXX XXXX Bank and they confirmed that they received the wire on XXXX XXXX, and forwarded it to Coinbase the same day. Coinbase has not credited the money to my account, and has not responded to my multiple attempts to contact them to get this issue resolved. I now believe that they are acting criminally. How can a company legally hold my money for 17 days without providing the promised services? How can they get away with having absolutely no way to contact them by phone? I have sent at least XXXX emails, opened XXXX support tickets, left them voicemails, attempted to contact them on XXXX, XXXX, and XXXX and filed a complaint with the XXXX XXXX XXXX. This company needs to be shut down, they are either thieves, or lack the competence necessary to run any sort of financial company. I have suffered financial harm because Coinbase has effectively stolen my money. I will be filling criminal complaints with every agency with jurisdiction to ensure that this criminal enterprise can not harm others in the way that they have harmed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: WA

Complaint narrative:
I have federal stafford loans from undergraduate and graduate degrees between XXXX, I have been repaying these loans continuously since that time. I recently started law school XXXX XXXX XXXX XXXX and FedLoan recently put my loans in deferment without first contacting me. The deferment prevented my autopayment from being applied and my loan balance ( and therefore interest ) increased. I have called XXXX times in order to have the loans put back into repayment, and still have no guarantee that it will remain that way. 

First, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that I would need to mail in a paper form in order to waive the deferment, she said that it could take several weeks for that paper form to be mailed to me and that there was no other way to put the loans back into repayment. The form did n't come and I called again. Second, I spoke with XXXX XXXX XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX XXXX. She said that she could process the deferment waiver over the phone and did so then and there. After working with her, my loans were placed back in repayment and my regular autopayment was scheduled. 

Yesterday ( XXXX/XXXX/XXXX ) I received an email stating that my loans were placed back in deferment, I called again and spoke with XXXX ( XXXX # XXXX ) on XXXX/XXXX/XXXX at XXXX PT. She said that the computer system will automatically reset the account to deferment, per XXXX XXXX XXXX rules, and that she could put it into repayment, but that it might be changed back again. I told her that this was unacceptable and a waste of my time to be calling, waiting on hold, and asking my account to be continually switched back into repayment. She said that it was the way the computers were set up and that there was nothing to be done about this. 

This is an unacceptable answer. XXXX charges me thousands of dollars every year for the pleasure of servicing my loans, and the least they can do is follow the law and do what borrowers ask them to do the first time. If their computer systems are set up improperly, they are responsible for fixing them. This is the last time I will be calling. If I continue to have further issues with my loans being placed in deferment, and autopayments being missed, I will not hesitate to refinance my loans with another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: OR

Complaint narrative:
XXXX and American Medical Collection Agency has sent me multiple invoices/ bills that are not mine, are for services provided to a patient with a different name, who does not reside at my address or receive mail at my address, nor do I know the whereabouts or have contact information of said person. I 've not agreed to any services provided by XXXX and therefore am not responsible in any way for bills of said services. The bills have been sent to collection agencies multiple times. I 've contacted both the original creditor, XXXX XXXX as well as the collection agency American Medical Collection Agency to resolve the issue and request that I not be billed for services not provided to me and that I 've not agreed to pay. 

The bills continue to be billed in my name on a regular basis and continue to be reported to collections in my name. I continue to dispute the bills yet there is always another bill to dispute. This never ending cycle is frustrating as well as costs me time and money to continue to dispute on a regular basis. 

I ask that my information be removed from said patient records or files for billing purposes as I am not in any way liable for said bills. 

A written notice was sent to American Medical Collection Agency, pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec XXXX ( b ) on XXXX XXXX, XXXX, XXXX XXXX, XXXX and another today, XXXX XXXX, XXXX to dispute said collections and ask they correct their records. I continue to receive the collection bills, with nothing changed. 

I 've attempted multipule times to contact XXXX XXXX directly to resolve the issue via phone at the XXXX Customer Service phone number listed on their bills. I 've not been successful in reaching a person to correct this issue, I get an automated system with no human who can or will help to correct. 

I 've mailed letters to each address listed on the XXXX XXXX bill, explaining that this is not my bill and that the patient receiving said services does not reside at my address, does not receive mail at my address and that I do not have information on the whereabouts or contact method of said person. 

I ask that I stop being billed by XXXX XXXX and that XXXX XXXX XXXX attempting to collect via a collection agency, unless they have proof that I am in anyway responsible for such charges and forward such information to me, which of neither has been done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
I have a netspend prepaid card account that had been active for several years but over the last 6 months or so I have kept it dormant with a token balance remaining. Having forgotten about the account altogether, I was surprised to get an alert on XXXX XXXX XXXX about not only a purchase that was made using the account but that it gave me a negative balance on the account. I contacted the appropriate disputes department immediately, sent in the appropriate documentation and formal dispute letter while still on the phone with them and received confirmation that the documentation was received. They assure me they will " investigate '' etc. 

I called them today XXXX/XXXX/XXXX to followup on the issue as no provisional credit had been issued as promised within the XXXX business day designation ( XXXX and a half weeks have gone by! ). After being juggled around their call center for about XXXX minutes I finally just asked flat out to the supervising representative ( verbatim ) " So, is it NetSpend 's official stance on this issue to completely disregard Federal law as outlined in the XXXX act and consumer protections held therin? '' to which she replied almost triumphantly, and I 'm quoting here " Yes. '' and then continued to tell me the credit would be issued after the investigation was complete and there was no one she could put me in contact with regarding the issue. 

Finally, I decided to contact the merchant who processed the fraudulent transaction that instigated all this madness. They turned out to be a payment processing company who apologized immediately, confirmed that this was a fraudulent transaction among a string of them related to a specific client of theirs, offered to provide any documentation required to prove as much, and lastly ( and this is the funniest part ) that they have received no contact from Netspend regarding the dispute and in fact had reached out to them regarding a whole separate set of issues only to be stonewalled like the rest of us. What a joke! 

Alright, thats it. I have extensive documentation supporting all these claims, time stamped, dated etc. Please advise as to what would be most beneficial. 

Thank you for your time and attention to this matter. 

P.S. I imagine the issue will be resolved by the time you have a chance to act on this, and thats fine, I 'm not really interested in the monetary value at risk here, I am purely seeking moral restitution. 

Good luck!

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 2017-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This company can not be reached via mail, their listed address is wrong. this debt was paid 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 2017-09-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX. Transunion is taking advantage of people seeking credit freezes in light of XXXX breach. They provide misleading sales pitches, purposely push a " lock '' in place of a freeze, and scammed me into a subscription that renews monthly and for which the price XXXX {$21.00} XXXX was hidden. To cancel you have to call them, and there is no way to get past a lengthy hold and reach anyone. Please help.

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 monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX/XXXX/XXXX I went to store Best Buy XXXX and salesperson name XXXX  pressure to check if i am eligible for store credit card and then took all my information and few minutes later announced that i approved for a credit card. When i told him that i do n't want credit card he replied t now it too late and I absolutely have accepted it. My response was I do n't want to accept it and he replied then what will happened in a future if at some point I will decide to open card they just do n't let me open card. 

This is similar to XXXX XXXX crimes.

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 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays bank delaware is reporting a credit card on my credit report that is not mine. I did not apply or sign any documents to authorize a credit card to be opened under my name. This credit card is showing on my credit and I have been denied credit by other companies because this credit card is over the limit.

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 2017-09-15 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: TN

Complaint narrative:
After being notified this week about my personal information being compromised in the Equifax data breach, I was unable to place a credit freeze on my credit report online. Equifax on line system resulted in a " system error XXXX. '' I tried to contact Equifax via phone but the waiting time is 'forever. '

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I discovered that a USAA account was opened in my name. I do not do business with USAA nor have I ever. I am not even in the military or related to anyone that is. I am a victim of identity theft. This is not the first account that was fraudulently opened in my name without my consent or knowledge. I have attached documentation. I have filed a police report with the XXXX XXXX XXXX. The report ID is : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Was informed that my information was compromised due to the XXXX hacking and found fraudulent transactions on an existing credit card i suspect but cant prove may have been related. So i was trying to get my annual credit report that is intended to be used to get my credit report from all 3 credit burrows and found that i was not allowed access to any of my reports. XXXX & XXXX both stated after going though the verification that i was not going to be provided my credit report due to the XXXX hacking incident. XXXX did not even let me go though the verification and simply stated that their system is down with no other explanation. 

To say the least i am very upset that i am unable to get access to my information when i need it the most and was under the impressions that the credit companies are required to provide me with my credit report in a timely manner and they have been unable to do so.

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 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
XXXX. XXXX XXXX XXXX I had insurance at that time. The hospital did not file it. I did n't know about it for 2 years, then got a letter from the collection agency for {$1200.00}. The collection agency threatened to sue me if I did n't pay. I am sending them $ 10.00- {$20.00} a month. I am on Social Security XXXX, a very low fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I am a victim of identity theft. On XXXX XXXX, 2017 some body used my SSN and open a credit card with First National Bank. Some time in XXXX I received a billing statement for a balance of {$7100.00}. I contact First National Bank and explain what happen. I spoke with the vice president XXXX and explained it to him and XXXX XXXX said I am not liable for this account. I followed up with the bank today XXXX XXXX, XXXX and I spoke with XXXX in the fraud department and I asked him about this credit card and he said there is still a balance on the account. I explained it to XXXX, I did not open this credit card and he said will investigate on it.

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 2017-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TOWNE MORTGAGE COMPANY
State: MI

Complaint narrative:
The mortgage broker failed to provide accurate closing escrow numbers on loan payment, taxes and insurance. These number were also verified by the mortgage company before the closing. Almost 2 years later the mortgage company is claiming an error was made at the closing in calculating the escrow accounts which is resulting in a significant increase in my mortgage payment which I can no longer afford due to a fixed SS income. Investigation into these companies has revealed numerous complaints of the same instance of escrow fraud at closing.I have requested an investigation by the person handling the loan and he will not cooperate with me. My mortgage payment has gone from {$540.00} a month to {$710.00} a month which I can not afford.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I 've previously disputed two charges on my Capital One Credit Card in the amounts of XXXX and XXXX for merchandise I never received and I was assured by Capital One that the problem would be resolved. It 's been several weeks and the problem still persists and I 'm being rebilled for merchandise I never received. This is very disturbing and I want the matter resolved immediately. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
They have takem {$1400.00} dollars from me for the last 4 years. They where never my mortage comoany and been sending fraudlent papers to my home. Never helped me lower my payments and increased fees, wuthdrew escort payments, and charged me a pmi every month. They avoid my calls and never answer my emails.

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