vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
About two years ago i purchased a copy of my credit report and noticed there exist a collection account for an unpaid XXXX XXXX XXXX and few other account that was not mine and i did not applied for any of them. After contacting credit bureaus i was informed that i need it to file a police report and also an FTC report which i did and send it to credit bureaus and the original source. They all did removed the fraudulent account from my report and everything was great till when i tried to refinance my home and i got turned down due to this collection account which they reinserted on my credit report and re aged it. Again i sent my dispute letters to credit bureaus and the ERC collection agency and in my letters to them i enclosed a copy of my police report and my FTC report. Not only they have not removed this fraudulent account from my credit report they sent letters to credit bureaus that this account belongs to me and been verified. So far this company caused me a great deal of stress and money and i need your help to resolve this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
All of my student loans are being serviced by Navient since XXXX/XXXX/XXXX. Upon receiving my current XXXX XXXX tax form showing how much interest was paid in XXXX, I was alarmed when the amount was quite large. Much Larger than the amount paid towards my principal. So I went into my account and looked at how my payments were being allocated and there is a huge discrepancy in how much is going toward interest compared to principal. I used the interest accrual calculator on Navient 's website to see how much interest is accruing over a 31 day span and the calculated amount for all of my loans is {$340.00}. My current monthly payment amount on the IBR plan is {$580.00}. Below is how my payments have been broken down - only typed some of the months to give you an idea ( I will attach documents showing all months ) -- they have been broken down like this for as far back as I can check now that I have looked. 

XXXX/XXXX/XXXX : Principal - {$82.00} Interest - {$500.00} XXXX/XXXX/XXXX : Principal- {$65.00} Interest - {$520.00} XXXX/XXXX/XXXX : Principal- {$52.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$51.00} Interest- {$530.00} XXXX/XXXX/XXXX : Principal- {$53.00} Interest- {$530.00} I am not sure what to do here and if this is correct or highway robbery. I make a decent living but I will never be able to pay these loans off if this is the way they allocate my hard earned money. 

We do n't get to choose who services our loans when we get out of college and you would think that government agencies would regulate these companies to make sure that those who work hard and pay their bills get some sort of piece of mind. I work hard and do n't have time to keep track of how Navient should be doing their job legally and ethically. Please help me with this issue and help me to make sure the money that was n't allocated correctly goes back to my principal and future money is allocated properly. 
I also make too much money to write off my student loan interest on my taxes so I am at a loss of over {$5000.00} a year while my loan amount has only gone down {$400.00}! I should not be paying {$5900.00} in total payments XXXX, of which {$5500.00} went straight to interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Problem with Citi Price Rewind program redemption. Bought a TV at XXXX ( {$240.00} ) and found that the price had dropped {$100.00} the next day and local stores quickly sold out. Citi 's " price rewind '' program supposedly offers to reimburse the difference in price when a price drop occurs. I submitted the required materials for the claim, including my purchase receipt and a screenshot of the lower advertised price with the TV in-stock at another store. Citi rep says claim was denied because they could not verify the advertised price over the phone with an store associate. The did not even get a name of the person from the store. 

The submitted screenshot of the lower advertised price was valid and the XXXX associate most likely did not know and/or gave bad info. There is no mention in the T & C 's of this program that a valid advertisement for a lower price needed to be confirmed by a ( nameless ) hourly store associate. 

I have read similar complaints for this card benefit offered though Citibank and wanted to add my story to warn others.

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 2018-01-15 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: Continental Finance Company, LLC
State: FL

Complaint narrative:
I have this credit card, continental finance, that was opened in XXXX and its listed on XXXX under 2 different names. The names are XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. While on XXXX and XXXX its listed as XXXX. I wanted to know how could I go about fixing this issue and if the credit card could report my status, because its showing the last update was 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 2018-01-15 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: U.S. BANCORP
State: AL

Complaint narrative:
XXXX XXXXXXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
XXXX hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
US Bank hard inquiryXX/XX/XXXX ( not authorized ).

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 2018-01-15 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX XXXX hard inquiry XX/XX/XXXX ( not authorized, never heard of bank ). Again on XX/XX/XXXX ( not authorized ). 
Syncb hard inquiry XX/XX/XXXX and XX/XX/XXXX ( not authorized, never heard of ). 
XXXX XXXX hard inquiry XX/XX/XXXX( not authorized ). 
XXXX XXXX hard inquiryXX/XX/XXXX ( not authorized ).

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 2018-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/17 I submitted a support request asking for access to the 20 BTC in my vault. The substance of the request related to changing my secondary email, which would be necessary to access my BTC. Over the next few days I received a number of automated responses indicating there was no solution to this fairly straightforward issue, making my money inaccessible. Over the last two weeks I have sent a number of emails to coinbase requesting attention to my case as it involves a substantial amount of money. So far I have not received any response indicating that there exists any sort of support for existing coinbase customers. I do understand that coinbase continues to sign up new accounts, so it appears resources are only being spent on increasing revenue, at the expense of serious issues facing existing users.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a rebuttal - see enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: CO

Complaint narrative:
Hello, On XX/XX/XXXX I made a payment to XXXX XXXX XXXX located on : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone # : ( XXXX ) XXXX - XXXX for the amount of {$160.00} that I owed them for a visit. I received a letter in the mail with an assignment date of XX/XX/XXXX from the XXXX XXXX XXXX XXXX that I was sent to collections for {$160.00} that was already paid. I attached my online confirmation and my credit card statement showing that I made the payment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: GA

Complaint narrative:
On XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from equifax, equifax said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this  account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Earnest Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX failed to communicate a transfer a service which resulted in a payment to Earnest that should have gone to the new loan servicer, XXXX XXXXXXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MEMBER FIRST MORTGAGE, LLC
State: GA

Complaint narrative:
I applied to refinance my FHA loan to a conventional loan because of the cost of mortgage insurance. At first I was told by the new bank doing the refinance that they could get rid of my mortgage insurance to lower my monthly payments from XXXX  to about 1600.00. That did not work out for some reason. About a week ago I spoke to the representative of The lender broker of XXXX XXXX XXXX XXXX   and she assured me I will be able to save XXXX a nd that will increased to XXXX  because my mortgage interest will disappear. 
On Friday evening (XX/XX/XXXX), I received the final figures for closing on Wednesday XX/XX/XXXX. 
This is what I found:
1) my interest rate is gone from 4.750% to 4.875%.
2) My principal has jumped from $XXXX  to $XXXX
3) Instead of the XXXX dollars I was promised to save XXXX I will save XXXX.
When I factor in my new interest rate and the new principal I gain nothing. I am therefore not going to sign any documents to finalize the refinancing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Keynote Consulting, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2017, I sent a letter to Keynote Consulting INC. Asking them to validate and verify the debt that they say i owe. I have not recieved anything back from them and it 's been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 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: GA

Complaint narrative:
OnXX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from World finance, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything.

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XX/XX/XXXX until now I tried dispute especially with the data breach from XXXX, XXXX said they verified them and they re factual. I tried to dispute my name it has XXXX. next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX. on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.

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 2018-01-15 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: GA

Complaint narrative:
On XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from XXXX, XXXX said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And this account was paid by the XXXX XXXX program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.

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 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by Chase card over XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing This is a fraud account on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with Chase card and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX XXXX keeps reporting 2 collection accounts to my credit report. I have sent them letters dating XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, asking them to provide a contract with MCM as validation with my signature. They ca n't provide that. They can only tell me that the screen shows I owe them the money. They continue to report this to my credit report with all 3 bureaus which costs me more money in interest with the companies that I do have contracts with and I have been denied credit because of this issue. I want this false information to be taken off of my credit report.

Company response to consumer: Closed with explanation