vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rhojo Enterprises, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX I had a contract with a XXXX cellphone company called XXXX and had to discontinue that contract because I had to move from XXXX to USA. Legally I could stop the contract if I proved that I was moving away from my XXXX address. SO I did provide all this information to XXXX and received a letter with the confirmation of the disconnected account. 
About one year later I received a bill from a collection agency with an open amount for Euro XXXX for the remaining months I already was not living in XXXX anymore and had NOT used the service anymore because it was closed. I never received a letter from XXXX that I would owe that money and started to complain to the collection agency a law firm called XXXX XXXX XXXX. 

I called that company and finally sent a letter to them on XX/XX/XXXX ( attached ). After this letter I have not received any response from them anymore. Neither that the solved the issue nor that they still wanted to collect the money. 

That has been more then 5 years ago and end of XX/XX/XXXX I receive a letter from a collection agency who claims that they try to collect that money from XX/XX/XXXX but this time because of the years ( interest 8 % per annum ) {$1000.00}. 

I called the original company XXXX in XXXX and asked how that can happen and if the have any information about that. They say there is no file about my case anymore. It only says that the did refer my case to XXXX XXXX XXXX in XX/XX/XXXX. 
I called XXXX XXXX XXXX and they say they have NO record of my case anymore and do n't collect from XXXX anymore. The company who now collects for XXXX in XXXX have NO file on my case. Their name is called XXXX XXXX XXXX XXXX XXXX XXXX. They told me that it might be fraud. 

Now the letter I received from XXXX recovery says I should pay them that amount. 
BUT the firm XXXX says they already forwarded my case again to a firm called XXXX because they could not recover the money from me since XX/XX/XXXX. I NEVER received a single letter from them.XXXX told me about them and also about the other collection agencies I never heard about. Before there was supposed to be a collection agency called XXXX who tried to cellect the money. 
I have NOT received a single letter from any of this collection agencies and have not received a single phone call. 

I would like to see prove of any of these collection agencies that they ever sent me a letter trying to collect that money from me. As I said the first letter I received was on XX/XX/XXXX. 
Please advice me what to do.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I filed a formal complaint with Navient more than two weeks ago, backed by evidence and statutory precedence of NYS Labor Law in support of discharge of my student loans due to disqualifying status based on a previous XXXX XXXX XXXX.. 

After I field a formal complaint with Navient in XX/XX/XXXX, I was immediately notified via their website that I would hear a response within 5 business days. 

As of today, XX/XX/XXXX I am still awaiting a response. 

NYS Labor Law Section 1125 ( 1 ) and the Americans with Disabilities Act ( ADA ) covers the employment of XXXX and furthermore illustrates that at the time my student loans were originated I was not of sound mind to make the important life decision of choosing a university to attend, a major, loan financing, and/or a future career. 

Subsequently, since graduating from XXXX College in XX/XX/XXXX, I have remained unemployable in my field of study. 

During the life of my loans, I was steered by my former lender, XXXX XXXX, into a loan consolidation and several forbearances without being informed of the future financial ramifications : specifically, longer pay off periods at far greater amounts. 

This has resulted in a remaining balance over {$15000.00} in student loan debt after over ten years, with interest that continues to be compounded daily!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: KS

Complaint narrative:
Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these. 

1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX 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 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gragil Associates, Inc.
State: VT

Complaint narrative:
I am having issues with the company Gragil Associates, I never received the initial paperwork claiming I had a debt go to collections with them. I have been paying to them for 4 years now. XXXX a month. The company is refusing to give me the ammounts in writing. The company is claiming I owe more money now. I have been keeping track of how much I have paid and how much I owe. They said they do not need to give me any records because they are " not a billing service. '' I just want to see how much I have paid and the original bills and they are refusing to do that. I should be able to see what I have paid off and how much I have left on the account. The company said I could go back and look at my bank account and track down how much I have paid. This is the 2nd or 3rd time they have not added payments in their system. I feel like I have paid more than I should have already.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Summary : XXXX customer service gave me wrong information and led me to make a wrong decision. I demand XXXX to own up to their mistake and honor the cashback. 

Detail : On XX/XX/XXXX, I purchased airline tickets through XXXX Membership Rewards in the total amount of XXXX points. I also called XXXX customer service XXXX number and confirmed with them that I am eligible for 35 % points back when purchase tickets with Membership Rewards points. 

Fast forward to XX/XX/XXXX, I have not received the points back and called back to check. But they told me that I am actually ineligible for the points back. After reading the fine prints, I understand the reason I am indeed not eligible. 

Nevertheless, I purchased the tickets based on the WRONG information given by XXXX customer service. Should they told me I am not eligible, I would not go that route to begin with. With that, I demand I should be compensated accordingly for my loss as a result of wrong information from XXXX. 

I demand the 35 % points back of XXXX points I spent, which is XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to the dealership with my own financing, there was no need for them to pull my credit and i did not authorized the to do so. the sales person told me they just need it my social for identity purpose and for only that reason and they were not to pull my credit but they did. I talked to the Finance Manager and he said that it was a soft pull and not to worry, but he liad it was a hard pull and it shows on my Equifax credit report. I believe that this is a wrong way of doing businees and misuse of peoples personal information with out authorization. This business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: WI

Complaint narrative:
Hello. My name is XXXX. I have been trying to get a hold of Flagstar Bank since XX/XX/XXXX. They wanted Uniform Borrower Assistance forms. They received this through a fax XX/XX/XXXX. They said they received them.I have been trying to get a hold of this bank since then. I found out at that time that XXXX XXXX was the point person to get in contact with. She called three times and I called ten times trying to contact her. 

I mailed current lease agreement, 90 days bank statement with rental deposit, XX/XX/XXXX XX/XX/XXXX tax pages all, XXXX signature and date ( their form ) and hardship letter. I paid {$26.00} for next day delivery. They said they never received it. XXXX XXXX XXXX signed for it. OK they never received it. OK. Then I faxed it twice. They never received it. Why did my XXXX XXXX get the pages they asked for the day before and mind you XXXX XXXX had to give me part of my XXXX XXXX. XXXX XXXX got their faxed paper work the same day. XXXX XXXX  has nothing to do with XXXX. The only point I want to make is that I faxed at the same place, the same number and they, XXXX XXXX received all the pages they needed. Yet Flagstar did n't. Sounds fishy. 

I spoke to five people at Flagstar. All of them claimed the same thing. I needed all those documents just mentioned previously. All I want is my mortgage payment to be reduced. My mortgage is {$1200.00} and my renters pay between {$940.00} and {$960.00} a month. All I want is to break even. That 's not happening. I have been unemployed since XX/XX/XXXX. I have been looking for jobs. I 'll keep looking.

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 2017-11-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My new credit report pulled on XX/XX/2017 is reporting a XXXX XXXX paid collection that was deleted and now it has been added back on to my file with Equifax. The CRA did not provide me notice of their reinsertion, then the reinsertion was a violation of section 611 ( a ) ( XXXX ) ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by SANTANDER CONSUMER USA # XXXX is inaccurate and incorrect as you can see on the attached letter dated XXXX/XXXX/XXXX which states : Santander Consumer USA Inc. recognizes the above referenced account as paid in full on XXXX/XXXX/XXXX The information on my credit report is inaccurately stated and reported by Santander Consumer USA, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated XXXX/XXXX/XXXX by Santander Consumer USA details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by Santander Consumer USA dated XXXX/XXXX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I had opened a Coinbase account in 2015, when I was residing in the US and stopped using it that same year. My email account used for login and 2 step verification was deleted, so I lost access to my Coinbase account.
When I first contacted Coinbase to recover my account based on my personal information, they sent me an automatic message saying that they were having a heavy load of issues to solve, and giving me a list of links to try to solve my problem.
The only way for me to recover my account at this time is by contacting an actual customer service agent, who will look at the new account I created, and the documents I submitted for ID verification, and to link both of those accounts so I can recover my bitcoins.
I have been contacting them every other day for more than 3 months and got absolutely no answer from an actual person.
I need these Bitcoins back. This is my money we are talking about, not some joke.
I would appreciate some help, if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: IL

Complaint narrative:
AFNI is reporting and attempting to collect on a debt that was covered by the VA. I do n't have any medical bills ever. As a veteran all my medical is covered under VA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: LA

Complaint narrative:
XXXX, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.

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 2017-11-15 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: LA

Complaint narrative:
Equifax, XXXX, and XXXX credit bureaus are guilty of selling and maintaining my credit reports to obtain money 's that are not legal to do. They are holding credit files that are not from the original owners. And for that reason I wish to file a section 609,  which states if the collector can not prove that they are the original owner of the credit file then that file must be taken off the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Financial Asset Management, Inc.
State: UT

Complaint narrative:
XX/XX/XXXX-took {$250.00} title loan on XXXX XXXX XXXX XXXX. XX/XX/XXXX made {$120.00} payment. On XX/XX/XXXX. Took another {$250.00} additional. Balance {$370.00}. XX/XX/XXXX. Made {$100.00} payment. XX/XX/XXXX extradited to Colorado on old warrant. Unable to make payment. XX/XX/XXXX husband went to XXXX XXXX XXXX. Attempted to make a {$200.00} payment for me. They did not accept it. Said I was the only one that could make a payment. XX/XX/XXXX. Harrassment begins. The tow driver assaulted my husband. While trying to repo my vehicle. The tow driver then began to contact my family my husband 's family and all of our friends. Stating they were the XXXX police and that I was wanted for felony Grand theft. And that I assaulted the 6'5 '' 290-320lb tow driver. I 'm 100 pounds soaking wet. I ca n't get thru to anyone to clear the matter up. Now when I check my account balance. It 's reads no debt owed. Yet I have no title to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Hello, I am seeing the following hard credit inquiries on my credit report. I have never ever requested any sorts of loan or credit from these institutions. Based on my research so far, it appears that all these are spam or fraud institutions and I need to file a formal complaint against these.
1. XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA
State: GA

Complaint narrative:
I had one student loan with fedloan and it was transferred to the dept. Of edu. This student loan is currently paid in full and closed but these two accounts show late payments that are inaccurate. Especially on the dates of XXXX. 2012 to XXXX 2012. Due to me being enrolled in school and payments were to be deferred until 6 months of my last enrolled date. I 've made numerous attempts to get the late payments updated with this company directly. By phone, fax and mail. Those late payments are really affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Immediate Credit Recovery
State: MI

Complaint narrative:
I have a US Department of Education loan debt. I 'm forced to use a company called immediate credit recovery to process my collection amount for the period of 11 months so that I can get out of default status and work out a different payment arrangement. I 've had ongoing issues with this company and the Department of Education about my loan. I have been paying the monthly obligation and yet the amount that I 'm paying is not showing on my credit reports as of today XX/XX/17  correctly and on the statements from the Department of Education the amounts are showing past due when they are not past due they are automatically taken out of my account each month. I have proof of all of this. I have contacted the Department of Education they will not help me and I have contacted ICR and they will not help me. Wrong information is being reported on my credit report and information that is inaccurate and money that I 'm paying is not being applied to my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( Transunion ) - Item Being disputed ( XXXX ) - Letter by XXXX XXXX XXXX dated X/XX/2016

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 2017-11-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( Equifax ) - Letter by XXXX XXXX XXXX dated X/XX/2016

Company response to consumer: Closed with explanation