vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
On XXXX XXXX XXXX, a representative from Wells Fargo called my place of employment. This was an attempt to collect a payment, but the phone call happened during business hours in which I am not allowed to take personal calls, unless it is an emergency. This phone call took me away from my duties, and caused embarrassment.

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 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
My report shows a hard inquiry from 2016 from XXXX. I spoke with the bank and they show nothing and I did not give any one permission. I also have not applied for credit with anyone and now it just showed up on my credit report from 2016 and I checked just 2 weeks and it did not show at that time. My credit had come up some and now it has dropped my score some. 
I want this handled ASAP.

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 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, XXXX. I did XXXX deposit XXXX XXXX Eur XXXX into Coinbase but I did n't include the reference number and money is n't on my coinbase account. I have been chatting online with coinbase but its only comes with automatic reply. 

Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from transunion has decreased by 11 points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact transunion in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX  but still appears on transunion and XXXX. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.

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 2017-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
Received an email today, Saturday XXXX/XXXX/XXXX ( Holiday Weekend ), that my car payment is due in 5 days but also that the online pay and phone pay systems have been shut down for maintenance and will not be opening up back up until after my bill is due. I also probably wo n't be able to mail in on time because of holiday schedule, unless I pay extra for expedited shipping, plus I already threw out my bill because I always pay online through a 1-time ACH. This seems like a very underhanded move to get people charged late fees and to put blemishes on their record. I 'm shocked that this could even be allowed. I have paid on time/early on every payment since the loan started. This is completely ridiculous that a financial company can act this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just viewed my credit score on XXXX XXXX and noticed that my credit score that is pulled from XXXX has decreased by XXXX points again. The only change I see they keep changing my address. Each month I receive notice that my address has changed and a new address is listed. I tried to contact XXXX in regards to this and was unable to get through to them. My address is XXXX XXXX XXXX NOT XXXX XXXX XXXX. I am also complaining that they are still reporting XXXX XXXX XXXX XXXX XXXX as a negative account on my credit report. I have been disputing this account for over 8 months now. It was finally removed from XXXX but still appears on XXXX and experian. This information does not belong on my credit report. It has been verified to remove and or block from others seeing but they still are not blocking it and or deleting it. This wrong information is affecting my credit score in a negative way.

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 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I was opened an XXXX XXXX XXXX XXXX XXXX. 

Card was sponsored by Synchrony Bank : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XXXX XXXX, XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XXXX/XXXX/XXXX with XXXX because they said, they have't received the check i mailed to them. XXXX XXXX XXXX. 

On XXXX XXXX, XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XXXX XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from Synchrony Banck. 

At the end of XXXX XXXX, I have contacted XXXX Card Department, but they told me the account was sold to XXXX. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XXXX XXXX, XXXX, I wrote a letter to _ XXXX XXXX Synchrony Bank and XXXX XXXX, On XXXX XXXX, I received letter from Synchrony Bank Stating this account / matter relating was sold to XXXX XXXX XXXX, on XXXX/XXXX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}

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 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Merchants and Medical Credit Corporation, Inc.
State: KY

Complaint narrative:
To Whom It May Concern,This letter serves as my formal complaint against the abusive debt collection practices of Merchants and Medical Credit Corporation XXXX XXXX XXXX XXXX MI XXXX.During the days of XX/XX/XXXX- XX/XX/XXXX Merchants and Medical Credit Corporation engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act.•	Repetitious  Phone calls –telephone records list 25 calls in the said time frame•	Harassment/Intimidation- I explained my current situation (I have been diagnosed XXXX and am in the benefits appeal process)  and that i intended to pay despite this to representative during recorded phone conversation on XX/XX/XXXX and Representative (XXXX) continued to harass and intimidate me into making a payment  stating to me: “what form of payment would you like to make debit or check?”“I assume you intended to pay when you made the purchase” “you will continue to receive calls until payment is made” ”so you don’t want my help today” “I assume you do have a financial source” “people have to have a financial source to survive” “collection efforts will continue” “Many people pay us off- call on friends and family, get a loan, they ask spouse to help” “ there has to be payment on a bill”•	Failure to notify me of my right to receive verification of debt •	Failure to provide me  with a validation notice containing key information about the debt and the consumer’s rights within 5 days of initial contact, XX/XX/XXXX•	Failure to inform me that I can dispute the debt •	Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX ext. XXXX) for the address of Medical and Merchant Credit Corporation, telephone number of XXXX and name of supervisor on XX/XX/XXXX.  She did not provide the requested information to me.•	I returned call to XXXX XXXX (XXXX representative) on XX/XX/XXXX as scheduled and my call was not transferred as requested.I have attempted to resolve the issue.  I have not submitted a formal complaint to the company,because i was not provided with contact information.Your attention in this matter is appreciated.Sincerely,XXXX XXXXcc/alKentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX monthly fee silently charged  to me since XX/XX/XXXX by transunion after getting their free report. Received a monthly email asking me to sign up for their service, not indicating I already was signed up, nor any type of credit info said service is supposed to provide. Further more they have not raised my credit score nor updated my address, employment, good credit, car payments, removed cillections, after 9 months of positive credit changes and XXXX XXXX removals. There are dozens of XXXX responses for this same issue, XXXX/month without their knowledge and a circus act to cancel. Hidden buttons and false re-authorize links trying to cancel. This is not the behaviour of a multi-billion-dollar credit agency, this is how grifters and con artists behave. I am out XXXX$ for a free report and nothing gained by what this supposed service is supposed to provide.  From what I have read online from XXXX and FTC site, few people recouped even a single month charged, so I do not see the point in wasting my time calling them at this 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 monetary relief
Consumer complaint received 2017-12-30 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: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
See referenced complaint XXXX.I’m really not sure how many times I’ve brought this up, but I feel like this is the 5th or 6th time I’ve had to go to the CFPB never mind other agencies over how unfairly we’ve been treated by this company, and just to simply fix my otherwise clean credit report.Select Portfolio Servicing has twice now suppressed, 30 day late payment reporting from my XXXX and XXXX reports, and now twice has replaced those issues within only a few months.  We have since paid off this loan, and I was forced to address with my credit bureaus why Select Portfolio had failed to report a closed/fully paid off account.  That’s now cleared up, but now XXXX is reporting late payments again on my credit bureau.  XXXX somehow has it stuck in their system that this account was paid late on two dates, after multiple conversations XXXX had agreed to suppress the negative reporting from my credit bureau, but then has replaced that reporting again and again.  When i have called I get excuses as to how one system works or another.  That isn’t my responsibility.  I’ve paid you, I have now paid you off, now please get out of my life for good.The following is what I want:1) Please re-submit the suppression of negative credit reporting from my credit bureau with XXXX and XXXX.2) Get out of my life and never bug me again.Thank you,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 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent the credit reporting agencies XXXX and EXPERIAN as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..

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 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
To Whom It May Concern, This letter serves as my formal complaint against the abusive debt collection practices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX. 
During the days of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX engaged in the following abusive practices in violation of the Fair Debit Collection Practice Act. 
Repetitious Phone calls telephone records list 25 calls in the said time frame Harassment/Intimidation- I explained my current situation ( I have been diagnosed XXXX and am in the benefits appeal process ) and that i intended to pay despite this to representative  during recorded phone conversation on XXXX XXXX and Representative ( XXXX ) continued to harass and intimidate me into making a payment stating to me : what form of payment would you like to make debit or check? I assume you intended to pay when you made the purchase you will continue to receive calls until payment is made so you dont want my help today I assume you do have a financial source people have to have a financial source to survive collection efforts will continue Many people pay us off- call on friends and family, get a loan, they ask spouse to help there has to be payment on a bill Failure to notify me of my right to receive verification of debt Failure to provide me with a validation notice containing key information about the debt and the consumers rights within 5 days of initial contact, XXXX XXXX XXXX Failure to inform me that I can dispute the debt Failure to provide me with the address and contact number of debt collection agency-I asked the representative ( XXXX XXXX XXXX XXXX XXXX ) for the address of XXXX XXXX XXXX XXXX XXXX, telephone number of XXXX and name of supervisor on XXXX/XXXX/XXXX. She did not provide the requested information to me. 
I returned call to XXXX XXXX ( XXXX representative ) on XXXX XXXX as scheduled and my call was not transferred as requested. 
I have attempted to resolve the issue. I have not submitted a formal complaint to the company, because i was not provided with contact information. 
Your attention in this matter is appreciated. 
Sincerely, XXXX XXXX cc/al Kentucky Attorney General.KY.US Federal Trade Commission.GOV Consumer Financial Protection Bureau.GOV

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: CORELOGIC INC
State: GA

Complaint narrative:
On Thursday XXXX XXXX I had went to a car dealership that I wanted to buy a car from. I advised them that I only wanted my credit ran once being that I am in a process of buying a home. The man by the name of XXXX XXXX that works for XXXX XXXX XXXX advised me it will only be ran once. The very next morning that I woke I saw my credit was ran 6 times which is unfair to me as a consumer because I was never advised that my credit will be ran 6 times. I need to know what steps I need to take to correct this.

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 2017-12-30 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: Innovis
State: NJ

Complaint narrative:
Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is one of many reports filed in regards to both our personal properties and my commercial property. Due to state retaliation beginning in 2014 my I have been unable to meet all of my financial obligations. I testified for a client, which led to the state of georgia loosing the case. EVERY HOME and COMMERCIAL PROPERTY own by myself and or my spouse is involved in Mortgage Fraud and also appeared embezzlement which was not facilitated by us. We have other UNKNOWN individuals uploaded under our names in the state system. WE ARE SICK OF THIS XXXX! We have secured both attorneys and media coverage and will take all necessary action to hold ALL PERSONS ACCOUNTABLE REGARDLESS of their positions. We already know this is a set up. Our credit is suffering. The property in question is XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. THIS IS A FEDERAL OFFENSE AND WE WILL ENSURE ALL INVLOVED ARE HELD ACCOUNTABLE. The ground work has been completed. To top it off the modification company we hired to complete our modifications were informed of our findings and they appear to only be concerned regarding their payments and is obviously covering for the mortgage companies. We were denied our modifications for : Paying too much, 1 day late AFTER WE HAVE SIGNED THE MODIFICATION AGREEMENT and also Making ONLY # TRAIL PAYMENTS which were the qualifications, but the modifications was reversed because now their is 4 trail payments due. We have other individuals information on our Credit Bureau. These are NOT EVEN OUR LOANS!! Chase was sold a loan which was never valid as we never signed any contractual agreement. If they are signed out names were forged, as we never received any signed copies. This pertains to our additional personal properties as well. 


Chase Mortgage is the company involved with this property!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: Innovis
State: NJ

Complaint narrative:
Innovis has been told several times that the XXXX account ending in XXXX was opened fraudulently. In spite of this, the company has reinstated the account on my report. However, the credit grantor has removed this account as fraud from my report. Innovis must not report any XXXX  account opened in the date of XXXX XXXX. If innovis reports another XXXX account opened in XXXX XXXX, I will sue for violation to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX is misusing my private information without my consent. I never gave XXXX XXXX XXXX XXXX permission to use my social security number nor did i gave XXXX XXXX XXXX XXXX permission to inquire about my credit. I have no business relationship with XXXX XXXX XXXX XXXX and i did not apply for a loan. XXXX XXXX XXXX XXXX is causing injury to i.

Company response to consumer: Closed with explanation