vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Identity theft issue

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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX bought a debt from XXXX for a cell phone plan that was terminated in XX/XX/XXXX. XXXX originally told me that I could cancel my phone plan ; I had one month left on a three year plan, and that I would not be charged an early termination fee. Instead, I was charged {$300.00} per phone line ( six lines ) for  the early termination. I disputed it. 

XXXX XXXX purchased it and reset the date opened account to XX/XX/XXXX and began to try to collect the debt from me. I disputed the account date. They told me that the debt starts from when they opened the account, not the original account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Account was with Wells Fargo/XXXX XXXX. Account was closed by company as if I closed the account. The company closed the account and caused a huge drop in my credit score plus I was going to purchase more furniture from the company. I would like to have the account reinstated

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 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX allowed companies to access my credit report and place hard inquires with out my permission and now they blame me and will not remove them. 

The law is clear when you can not prove that I gave you access to my a profile you MUST remove the incorrect info not just they have a wright to do anything they want and hurt my credit. 

XXXX XXXX dob XX/XX/1962 SS # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good day Sir /Ma'am, I took out a second mortgage on my home in XXXX with COUNTRYWIDE mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through BANK OF AMERICA. I was face to face with the BAC reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XXXX we got transferred XXXX XXXX XXXX This company not only add interest back from XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; XXXX, XXXX, or XXXX. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. 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 explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I was using my card ( XXXX XXXX XXXX ) on XX/XX/2019 for various purchases and at the end of the day overpaid my account to the point now where I have a credit balance of {$10000.00}, which is locked into my account because they closed off my access to the card and I have no means to use the card nor withdraw my money from it. 

I have called them multiple times in the last 2 months with the most recent being today ( XX/XX/2019 ) and all they say is my account is in pending process and they won't know when I will receive notice on my account/credit balance.

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 2019-05-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
During this time I had my XXXX card, the economy crashed, we were devastated by Hurricane Sandy, lost two cars our home was unlivable for one month and I didn't qualify for any programs because of my gross income which does not take into account loss of pay due to time/pay loss from work to attend numerous and frequent appointments.My credit was greatly effected from these events including XX/XX/11 as my husband is in the XXXX industry and was working in the city when the towers came down. Prior to this monumental time in my life, my credit was great. I am appealing to you to remove this derogatory account from my three credit reporting agencies. It has been with great difficulty attempting to recover from our my unfortunate situation. It has been about seven years reaching the statute of limitations. I am hopeful that you are understanding that the tie has expired and sue to the unfortunate circumstances in our life you could understand that families affected by natural disasters, loosing time at work and not being compensated, and complete devastation you could offer the opportunity for this family of XXXX to recover and remove this account from all three report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I paid for a cab ride with my credit card and Square Inc saved my email and linked it to my credit card. I used my emails years ago paying for a transaction and did not agree for them to store my information and transmit it to different transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian allowed companies to access my credit report and place hard inquires with out my permission and now they blame me and will not remove them. 

The law is clear when you can not prove that I gave you access to my a profile you MUST remove the incorrect info not just they have a wright to do anything they want and hurt my credit. 

XXXX XXXX dob XX/XX/XXXX SS # XXXX-XXXX-XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/2019 at XXXX XXXX, I transferred XXXX XLM from my Blockchain account to my coinbase account. I didn't add a memo due to it being labelled ( optional ) but realized it was needed when I sent the money over. I contacted coinbase and they said they would resolve this issue and have my money in my account within 5-7 business days. It is now XX/XX/XXXX and still no reply or money added to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
My parents passed away in XX/XX/2016. My brothers and I spent 2 1/2 years. 
SunTrust bank in Florida has been holding the money and not making it possible for me to receive my share of my parents money even though I am a named beneficiary. The bank sends a letter from the account closure services and tell me to call XXXX suntrust to reach them. THIS IS NOT TRUE. THERE IS NO OPTION THAT ALLOWS ANY CONTACT I had to press the option that says I need to open a new account in order to get a live body this is reprehensible

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 2019-05-15 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:
Experian lists a negative item on my credit report stating that I failed to pay money due to the City of XXXX XXXX. I have never lived in or owned anything in XXXX XXXX. I contacted the Treasury Department at XXXX XXXX using the information on the Experian report and the City of XXXX XXXX said that I do not owe them anything and that they had not reported that I did or do. 

I disputed with Experian online and they have not removed the item. I have tried to call their phone # and after numerous menus and hold times I get staff that are not helpful and refuse to connect me with someone who can help. I have told them I am trying to complete a financing transaction and that this error is causing me to pay significantly higher rates if it is not corrected immediately yet they have not acted other than to note the item as disputed. It took me one phone call to the City of XXXX XXXX to verify this is not my debt. 

I am XXXX XXXX XXXX, I sign documents etc as XXXX XXXX. The Experian report list the name XXXX XXXX XXXX XXXX, I am not XXXX XXXX XXXX XXXX nor have I ever done business or used that name. The report also inaccurately reports some prior addresses that I have tried to dispute. 

Experian is profiting by selling inaccurate information while committing slander and costing me ( I am sure others ) money, not only do they make errors but worse they make it incredibly difficult to get the errors they make fixed.

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 2019-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I called to payoff the student loan on XX/XX/XXXX. The amount owed was XXXX. I gave them the bank routing number and my account number from my HELOC. They inputted the information and then came back saying they don't accept this account. they only accept checking and savings accounts. I now have to send them a check from this account, which they will cash and accept.The check will take several days to get there. The delay in time raises the amount owed to XXXX. That is an extra XXXX in interest I will have to pay if the check arrives and credited by XX/XX/XXXX. This may go up if it takes longer and will decrease if they get it earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Harley Davidson Financial Services Inc
State: NY

Complaint narrative:
This is an old account reporting since 2011. This account was PAID IN FULL and should either indicate as such or be removed for being on my report more than seven years past the statute of limitations,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Well my student loan was being managed by Navient. I see that another law suit went into play by your company ... .Navient seems to being sued by everyone..huh? Yet my Federal Tax refund went to the US Dept. of Education ... the entire amount. I did not even know of owing anyone due to both of my XXXX needing  XXXX and this has been a " long drawn out process '' thru XXXX ... my XXXX XXXX is finally done in the middle of winter and I stayed deathly sick afterwards so I called and told them my XXXX XXXX   would not be done til summer. I'm not going thru that again. Now I owed them money too. I am responsible for an adult child with XXXX XXXX XXXX after raising a child with XXXX XXXX ... are you seeing the big picture here ... not an easy life so to speak. I thought Navient had gotten me thru a Loan forgiveness but I guess not due to the USDE taking all of my little {$2700.00} on federal tax refund. I depend on that money to do things that I can not afford to do off my little {$31000.00} a year which is not much after taxes in this economy now a days ... you can not even find a rental prop no matter what it is below {$600.00} and don't get me started on cost of living for everything else it takes to live in this crapped up world that in my opinion " the rich get richer and the poor get poorer '' ... .and while the Government turns a blind eye to I don't know how many millions that the banks got our country into back in XX/XX/XXXX ... .my XXXX little student loan which I thought was taken care of thru forgiveness ... oh yeah the government needs that ... In closing the USDE sent me some automated email with this case number attached to it XXXX ..my name XXXX XXXX. saying they would contact me within 15 days as of XX/XX/XXXX. No other contact has been made to me ... .so I guess in closing no only will I not get any of this years tax refund back ... .they are planning on doing the exact same thing coming up this years returns ... and I guess XXXX me out of money that I depend on as a single mom to take care of things I can't afford because it takes my entire pay just to live in this economy ... and I don't take vacations or go out to eat or those leisure things other people enjoys ... .I just try to live basically and make sure my child with a XXXX XXXX is okay. So if anyone and I mean anyone can take this seriously and help me out with this ... .I would greatly appreciate it. But, I've never been dealt a descent hand in life and I'm sorry to say due to that ... .I do not get my hopes up about things ... I guess I've grown complacent to expecting the worse and that's usually what happens ... so thank you from the bottom of my heart sincerely .... if you can do something about this in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experian has not removed this debt ( XXXX XXXX ) from my credit file it was disputed in XX/XX/XXXX and all they did was update the file when I simply asked that it be Deleted from my credit file. It has been on my credit report since XX/XX/2012 and it is time barred and simply needs to be deleted ... Thank u

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 2019-05-15 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: Debt Recovery Solutions, LLC
State: MI

Complaint narrative:
After checking my credit report in XX/XX/2019, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Debt Recovery Solutions , LLC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. Debt Recovery Solutions , LLC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Debt Recovery Solutions , LLC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: AFNI INC.
State: OH

Complaint narrative:
I received a letter of communication from this company on or shortly after the first of XX/XX/2019. The letter of communication claimed I owed a debt to XXXX and that I had 30n days from the date of the letter to request that AFNI. Inc validated this claim that I owed XXXX. I in turn sent AFNI not only a validation request with was received and signed for by the company my communication also included all required information regarding Identity theft. AFNI, Inc is not only in violation of my rights because this alleged debt has been posted to my credit files without proper validation. AFNI, Inc has also blatantly chosen to not follow and abide by federal law outlined in the Notice to Furnishers of Information regarding Identity theft victims. If AFNI, Inc was following the laws outlined for them in the FCRA I would have received validation before they ruined my name and credit rating with inaccurate erroneous fraudulent information. AFNI, Inc must remove this information from  my credit files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: CarMax, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX I was with CarMax for 5 years and have never been late. CarMax XXXX XXXX has refused to REMOVE AND stop reporting " LATES '' on my credit report. I have never been pass the grace period as u will see reflected, my payment was due on the XXXX monthly and needed to be reflected by the 10 day grace period. I was never notified of the alleged 2 late payments for my XXXX XXXX XXXX vehicle in XXXX and XX/XX/XXXX. As you will see they were paid on XXXX and XXXX which means they were paid on time. I am asking CarMax to remove the late entries, they are taking advantage of young adults wanting to purchase homes due to not having a financial relationship with them any longer. I pulled my credit report on XX/XX/XXXX, XXXX and XXXX reporting late twice in XXXX for XXXX. I will protect my credit at ALL costs. CarMax Customer Service @ XXXXwas extremely rude and stated " We are not going to remove anything ''. I am asking we resolved this conundrum for I am trying to better myself and CarMax is prohibiting. I do not want this to happen to anyone else. Shame on CarMax ... 

Taken Advantage of, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Business and Consumer Solutions.
State: MI

Complaint narrative:
Two days ago, on XX/XX/2019, I received a letter from FBCS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( XXXX ) requesting a payment of {$430.00}. Their letter stated that my account had been refered to them by a medical office where I receive treatment. They stated that my failure to remit the payment would result in further collection attempts. 

I have verified, with the medical office named in the letter, that I do not owe, and have never owed, this amount and that they have never referred any of my information to FBCS. The medical office requested, and has received, a copy of the FBCS letter for their efforts and records. 

Though this FBCS company has my address and my medical office name correct, it miss spelled my last name as XXXX and does not offer the address of my medical office. If they truly had documentation from my medical office, they would have this information.

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