vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Credit Bureau is in violation of FDCPA, FCRA and also XXXX compliance. The account in question is over 10 years old.

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 2017-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit report score has fallen almost 200 points and nothing has changed with my credit history. I have complained about a debt collector and the number of times a hard inquiry have been added within the 14 day time frame and each month my credit report falls dramatically. I need to know the reason for this drastic change. Is this retaliatory?

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 2017-12-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Equitable Acceptance Corp
State: MD

Complaint narrative:
I was contacted by a man named XXXX XXXX ( ph.XXXX, fax. XXXX, email.  XXXX ), stating that he was from a company called XXXX XXXX ( XXXX ). He claimed he was going to help fill out the forms needed to reduce my student loan debt. The emails that came from him has an additional company name of XXXX XXXX. I asked him what that company name was, he claimed it was the parent company for XXXX XXXX. After he took my information he told me payments would be through a 3rd company called Equitable Acceptance. They are to change me about {$1500.00} for a form I fill-out for free every year with the Dept of Education. I decided to cancel the service via sending the cancellation documents to the address on the forms : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I was contacted by XXXX XXXX on XX/XX/XXXX, the cancellation was to be received by XX/XX/XXXX. Paperwork was mailed the XX/XX/XXXX to be received by XX/XX/XXXX. My letter was returned to me on XX/XX/XXXX by the USPS stating the address was " Undeliverable and Unable to Forward ''. Phone numbers for XXXX XXXX and XXXX XXXX ( ph.XXXX ) are disconnected when you call them, I have tried on my cell phone and landline numbers to reach them. I believe XXXX is actually a front for Equitable. I contacted Equitable Acceptance and was told they " did not receive the cancellation information before the due date '' I have documents proving I attempted to cancel within the timeline, I have emails from the offending party and text messages from Equitable. I also have additional phone number and emails from others involved with My XXXX  XXXX : XXXX XXXX ( ph.XXXX, Off Ph. XXXX, Fax XXXX, email. XXXX ) and XXXX XXXX ( ph. XXXX, email. XXXX ). I contacted the Dept of Education and they are aware of the fraud, advised me NOT to pay them, to contact BBB and Attorney General and them. As of today, I have submitted complaints to both the BBB, the Maryland Attorney General and the Federal Trade Commission. Equitable reached out in the BBB claim with a general auto response and disconnected phone number to contact XXXX. I have had to put a freeze through all three credit bureaus as well as filed fraud claims, however XXXX and XXXX state that Equitable Acceptance is already showing on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from American Express on XX/XX/XXXX and the other from XXXX XXXX on XX/XX/XXXX. 

Please let me know how I can go about it. 

Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
XXXX Account solutions has been reporting accounts in the total sum of {$3200.00} for four separate accounts. Two of these accounts were also reported by another agency in the same amounts which was inaccurate. I have previously communicated with this creditor in the past requesting validity of this debt and had not received a response. In order to track communication with this creditor so that I can get the information I have been requesting, I sent them a certified letter asking for validity of this debt. I sent this letter via certified mail on XX/XX/XXXX that was delivered on XX/XX/XXXX and received correspondence via letter from this creditor on XX/XX/XXXX. They did not respond to any of my validation requests and have not provided me sufficient information. This information is inaccurate. I have done my due diligence in trying to rectify this situation and they are not willing to work with me or provide me with the necessary information.

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 2017-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On Friday XX/XX/XXXX I purchased {$490.00} dollaras worth of Ethereum from Coinbase using a debit card. These transaction are processed and credited instantly. Well it is now XX/XX/XXXX and I still have not recieved the property that I have paid for. I have sent multiple support tickets that have not been answered within in 72 hours nor will they answer their support office phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Marlette Funding, LLC
State: MD

Complaint narrative:
I have a loan with a " company '' called XXXX XXXX - which was advised by XXXX XXXX to consolidate my credit cards. I have asked repeatedly to get my statement online - which have not received - have been told by this " company '' that they will send to me in the mail, the mail service here is horrible. Sometimes do n't get mail for 2-3 days - very unreliable. Do not understand how a company can not offer statement online. Also, this company originated in another state and after checking my correspondence from them, there are several companies located in XXXX XXXX, IL, XXXX XXXX, TX and also in Del. I do n't have a very good feeling about this company - since I can not even get a statement on line to know what the balance of my note is - very uncomfortable not knowing who or what I am dealing with. When I made this loan, it was online and approved for over {$7000.00} - have made multiple payments and never received any email or acknowledgement that the payments were received. This was do n't through the mail - at a much earlier time. Please look into this company - I will give you all the background on it I can - they are very secretive about their addresses, just XXXX XXXX. I am a widow and XXXX years old. Please do n't let me be swindled out of what I thought was an honest company and was trying to get my head above water. I see on your site that there have been other complaints about this company. Please investigate this company and it 's affiliates - there seems to be something fishy about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I seem to have XXXX hard inquiries on my credit report that I do not recall ... 
XXXX is from XXXX XXXX on XX/XX/XXXX and the other from Trans Union on XX/XX/XXXX. 

Please let me know how I can go about it. 

Thank you!

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 2017-12-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: OH

Complaint narrative:
They attempted to reach me by phone and I notified them that I no longer have a source of income due to an unpaid medical leave. They repeatedly called and sent in profane language emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had a problem with XXXX/XXXX XXXX Reporting. 
I filed a complaint and have been dealing with XXXX XXXX a Senior Specialist with XXXX XXXX XXXX. ( XXXX ) XXXX. 
Several weeks ago she told me the wrong reporting to the three Credit Bureaus showing I owed a balance greater than my credit limit, would be fixed on XXXX/2017. 
I spent 3 hours on the phone with XXXX XX/X/2017 reviewing items already returned as delivered defective which I should have a store credit on to totaling close to my credit limit. I contacted XXXX XXXX to timely pay my balance off so it would properly report, they refused, so I contacted XXXX XXXX to correct this an my multiple calls have not been returned.

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 2017-12-11 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
To Whomever This May Concern : I am a victim of identity theft/fraud. I have disputed the information through the credit bureaus and I received a letter in the mail stating that they did n't think that it was me that initiated the disputes. One account, XXXX XXXX XXXX was removed and deemed that it was indeed fraud. I am expecting that to happen with these other accounts. I am attaching my DL, a copy of my identity theft report, and a current utility bill. My expectation is that these accounts are removed off of my credit report immediately. The accounts are as follows : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX. I truly appreciate this being rectified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUINING TO HAVE. 
ON XX/XX/XXXX AND XX/XX/XXXX MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISE AND I FILED A DISPUTE WITH MY BANK AND THEY CREDITED ME BACK THE XXXX ON XX/XX/XXXX, I RECEIVED A LETTER FROM MY BANK STATING THAT ON XX/XX/XXXX, THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECEIVED.

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 2017-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the XXXX mobile banking app, as she had done many times before. I have a XXXX XXXX  account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a XXXX and they said not to worry and just to wait a few days. After a few days, we contact XXXX and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and XXXX trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that XXXX and many other banks use so we also contact them after giving up on XXXX and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a XXXX problem since it was done using their app and since we are both XXXX customers. XXXX refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and XXXX. Both banks STILL wo n't cooperate even with the police! I even called the XXXX  Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! XXXX is the one that facilitated this whole thing and they absolutely refuse to help us or even acknowledge the fact that we have an account with them. We have all our conversations with them saved for proof!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX XXXX made no effort to correct their errors and continue to submit incorrect information to the credit bureaus. New Documentation attached Consumer unsatisfied No correction to consumer credit report as o

f XX/XX/2017. Capital One deceivingly removed their once reported cha
rge off and closed status as years past, and now reports that the account is active and 120 days past due amount {$120000.00} only which is false information. Capital One is repeatedly omitting the charge off status and is attempting to conceal and eradicate that a charge off ever existed. Therefore, I am requesting that CFPB enforce XXXX XXXX XXXX to report a charge off and closed status to all credit bureaus or to remove the inaccurate account. I am completely unsatisfied with the results of Capital One response dated XX/XX/2017. Capital One erroneous reporting caused me not to receive employment at the white house.They are reporting only to collect a debt with an amount that 's outrageously wrong that was previously charged off and past the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I own a condominium with a mortgage from Wells Fargo. I have been uploading my insurance certificate repeatedly to their website at XXXX for several months, faxing the info to the number I was given, and have made two telephone calls to them. Yet I keep getting notices saying that they do not have my current insurance information. Now i just received notice that they have purchased insurance for me, despite my already having insurance. No matter what I do I ca n't seem to get this resolved, and if feels like they just want to charge me for insurance. It 's very frustrating because I 've wasted a lot of time trying to fix this. My insurance agent has confirmed that Wells Fargo has all of the property information and that my own coverage is in place. Wells Fargo is not easy to work with.

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 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX company is a debt collection company who hired a courier to call and contact me in order to " serve with legal documents '' I was unable to answer the call at the time because I was at work, the individual proceed to tell me over the phone that if I did not respond or he could not find me at work then he would take it as me not wanting to comply and they would '' take me to court '' When I called the company back I spoke with XXXX XXXX who stated they hired courriers but would go down to the " legal department '' and see if he could get my paperwork. He placed me on hold and told me it was a wells fargo account from 2008 almost ten years ago. He told me I had only two options one was they would proceed with legal action and I would have to go to court where the judge if found guilty could ask me to pay up to 2000 but I could also go with second option where they would stop legal action and all I would have to pay was a bit over 800. I was in the middle of work had to attend a meeting and I agreed not knowing it would start statute of limitations again if I gave anything. I gave XXXX but later realized it was intimidating when he and courrier spoke about legal action, court and showing up at my work to collect a debt that is almost ten years old, now that im recalling never showed on my credit report. when I gave him my card he said I have to go run in when he came back he said " good news I was able to stop courrier and now you wont be taken to court '' I again found the whole incident very intimidating because he also said if I went with option 1 my name would be on legal documents for everyone to see

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 2017-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
XXXX is claiming I owe {$1900.00}. This is a debt on my credit report filed by XXXX XXXX. However, the debt amount is wrong and this account was not just mine it was my sister and mother.I am not responsible for the whole {$1900.00}.

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 explanation
Consumer complaint received 2017-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion took 85 points off of my credit scores for no reason all, this has been. Recurring 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 2017-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the Chase mobile banking app, as she had done many times before. I have a Chase bank account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a Chase and they said not to worry and just to wait a few days. After a few days, we contact Chase and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and Chase trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that Chase and many other banks use so we also contact them after giving up on Chase and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a Chase problem since it was done using their app and since we are both Chase customers. Chase refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! )  because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and Chase. Both banks STILL wo n't cooperate even with the police! I even called the Chase Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!!

Company response to consumer: Closed with explanation