vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXXI had previously informed the XXXX XXXX that this account that they have been reporting on behalf of their client : XXXX/XXXX reported account XXXX This account is unknown to me and were opened in result of theft of my identity in XXXX. The opening of this fraudulent account was reported to the FTC in XXXX under affidavit number XXXX after unsuccessful attempts to delete via XXXX XXXX in XXXX XXXX XXXX are still reporting it today. 

This will be my last attempt in requesting that XXXX XXXX remove this account from my credit file. Since XXXX XXXX insist that they have verified this account which is in conflict with the creditors statement attached. A FULL debt validation was requested and the company has defaulted as I have not received FULL debt validation including all that was listed on the creditor/debt collectors declaration therefore I now insist that they validate this claim as per my rights protected by the Fair credit reporting Act 609 disclosure to consumer : ( c ) ( 2 ) ( E ). Please forward your FULL Validation package including signed contact to me by US mail or by email in 15 days or delete this entry from my credit file. 

I have requested the removal of this inaccurate information on numerous occasions and XXXX XXXX have failed to remove it, for this reason I request the assistance of the CFPB.

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 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
There was no initial or any other type of communication on the alleged medical debt being owed. And no written notice was sent communicating name of the creditor, the amount of debt and other necessary information in accordance with section 809 of the Fair Debt Collection Practices Act ( FDCPA ). 
Sometime in XXXX I requested for my credit report and noticed the score had dropped from XXXX to XXXX. I took a second look and discovered a debt of {$1300.00} from XXXX XXXX XXXX. The original creditor was XXXX XXXX XXXX XXXX. I am not personally liable for my medical bills, XXXX XXXX care my Insurance company takes care of all my medical bills. I contacted XXXX XXXX care and was told that they never received this claim from XXXX XXXX XXXX XXXX. They assured me that if the claim was made they would pay. However, XXXX XXXX XXXX refused to speak to XXXX XXXX XXXX and they refused to send me information on what they paid for despite promising to fax same to me on several occasions upon my requests. 
I retrieved my health records to verify their position. Thereafter, I called XXXX XXXX XXXX and requested for information on the debt, but they were not forthcoming with that. After my incessant phone calls, they promised to suspend the debt from my credit report but never did that as well. 
I strongly believe that a collections agency should conduct its proper investigation before going after individuals for debt. If extensive investigation was conducted, XXXX XXXX XXXX would have known that I am not individually liable for medical bills and it would have discovered that I do not owe this debt. It would have also contacted the Insurance Company to pay the bill or presented the bill to the Insurance Company.. My credit score is hurting due to the unlawful and negligent act as well as unprofessionalism displayed by XXXX XXXX XXXX. Moreso, no communication was sent to me on this claim. I would like to strongly state that I do not owe this debt. 
At present, all I want is the entry to be deleted from credit report. 
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 2018-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
national credit systems claims I owe XXXX to XXXX XXXX. I do not owe any such debt. if anything I am owed a security deposit refund. no proof or explanation has been provided to verify any such ccharges or claim exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both XXXX ; Experian and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.

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 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
XXXX XXXX I had issues with XXXX XXXX when I transferred to XXXX it took XXXX over 3 months. XXXX XXXX gave XXXX the run around with the finale bill. I sent XXXX several times US REG Mail to the issues. They had already put the account on my credit file before they settle the finale bill with XXXX. 
I also called them over 120 times to this situation that was going on. 
I mail them REG US Mail and then some one call back said it was being sent up to a higher department with no results to the issue and they never resolved the issue and I kept calling them with no results always some one is  working on the 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 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
So I had a credit card I applied for with XXXX XXXX XXXX, I was making my payments each month and then my wallet was stolen and I reported the card lost or stolen. It was some unauthorized charges on my card and the representative told me that it was nothing she can do about it. I told her I would like to close my account then and not have a card with them anymore since they were not willing to take care of the fraudulent charges on my account. The representative told me she would close it out and I owed an balance of about {$65.00} on the card. I told her I would pay it to send me a final bill. I did not get a statement and around 2 months later I started getting calls from them everyday harassing me 6 times a day every single day saying that I owe them hundreds of dollars. Owe them for the fraudulent charges and also for the interest and fees they were adding each month on my statement as well as the monthly charge and then late fees. I told them I did not owe them that as my account was supposed to be closed and that I should not have to pay hundreds worth of dollars for nothing. I did not even make any charges but the amount was steady going up and up and they continued harassing me. I disputed with the company and they told me that nothing was false and that I owed the debt but I did not, I was not even using the card did not even have a card so how could my balance go from {$65.00} to over {$70.00} with them adding fees to my account every month and not closing it out. They have ruined my credit score as well as my payment history that I worked so hard to establish all for greed and the willingness to not help me. I am quite disgusted with this company and I am absolutely fed up with them ruining my credit and also my reputation for something they should have resolved and did not want to take responsibility for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX take XXXX $ of my money out my Account and I never receive the items I purchase ... Filed a dispute with the bank and they denied it ... say it nothing else they can do to help me at this point ... do n't really know the Exact date ... but it was in XXXX 2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I had enrolled at XXXX XXXX College for  the fall semester of XXXX, taking 1 class. Less than 1 week into the class I received notice from my employer that my position would be terminated. With that in mind, I dropped the class I was enrolled in. I dropped the class on XXXX XXXX, XXXX - the deadline for dropping a class and receiving a full reimbursement ( or a {$0.00} bill if tuition had not yet been paid ) was XXXX XXXX, XXXX. I was very careful to check these dates. Around 6 months later, despite having received no correspondence from XXXX XXXX College regarding an outstanding or past due balance - I find that they have turned the matter over to a debt collector for {$450.00} - despite there being no debt or charges of any kind. Contacting the school got me nowhere, they could confirm the dates I enrolled and dropped the class, but could not confirm the deadline to drop a class with no financial obligation coming back to the student. The information was *still* present on their own XXXX website. I have disputed the debt with the collection agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX and each time their response has only been to state " Meets FCRA Requirements ''. 

XXXX XXXX College has verified what dates I enrolled in this class, and what date I dropped the class. They say they can not verify what the deadline was to drop classes in that semester with no financial repurcussions. If they can not verify that date, how can they verify the debt is valid?!

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 2018-01-09 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: Equitable Acceptance Corp
State: CA

Complaint narrative:
I was under the impression that the XXXX XXXX XXXX was going to help consolidate my loans. I was n't aware that this company was going to make me stop paying my loan back. I now am suppose to pay this company {$50.00} a month. I would rather be paying my loan. I need to get out of this program. They have all my personal information and I need to make sure they do not mess with my credit or identity. Please advise me how.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: IL

Complaint narrative:
I am a victim of consumer fraud and identity theft. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX. 

Please place a credit freeze on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : XXXX, XXXX, Transunion and XXXX. Equifax and XXXX has already placed the security freeze and int the process of complying of my requests. Transunion and XXXX are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. Transunion and XXXX will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

XX/XX/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 non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank ( XXXX branch ) refused all efforts to withdraw funds as directed. I lost the purchase of property located in Texas. 

This bank ca n't account correctly. Essentially they stole thousands of dollars from me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
COINBASE Authentication Failures : I have been unable to access my Coinbase account for nearly a month due to issues with their Two-Factor Authentication ( 2FA ) System. 

Prior to this, I had an active account for nearly two years and had no problems with conducting many transactions. Coinbase is now effectively holding my money, without authorization, and has provided no method for resolving the problem. 

I contacted Coinbase Customer Support on XX/XX/2018 and after 53 minutes on hold, I was connected to " XXXX ''. I was told that I had to use an automated system to reset my authentication. I explained many times why this could not work for me. I escalated to a Supervisor, " XXXX '', who after nearly 30 minutes of work agreed to escalate my issue in their queue. She provided no accountability, and all I have received so far is a copy of an internal e-mail that she sent to their escalation queue. I asked many times about how to contact them again to follow-up, as I was certain that this problem would not be resolved in a timely manner. I spent a total of 93 minutes on the phone, and was told that there was nothing else that they could do. It was clear that they expected me to give up on the issue entirely, though I refused to accept that as a " resolution ''. 

This problem is extremely widespread based on hundreds of posts online, and I have been informed that the current queue of lockout requests is in excess of 76,000 requests! I have no confidence that I will EVER be able to access my account, as this issue started nearly a month ago. I need the funds to cover expenses and consider this extremely urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: FL

Complaint narrative:
XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both Equifax ; XXXX and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 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: CA

Complaint narrative:
I wrote to this company disputing some account that was fraudulently opened and reported on my credit report. I wrote a letter to this company dated XXXX XXXX, 2017. For some reasons, this credit repository did not conduct a proper investigation and did not remove the fraud accounts resulted from ID theft. Attached is a copy of the police report I filed and the FTC affidavit I had Notarized. I am a victim of ID theft and did not benefit in any way from any of this account. In addition, this credit repository is the only bureau reporting XXXX XXXX XXXX ref # XXXX. This company already claimed that they do not own this account. In fact, I do not recognize the account at all.

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 2018-01-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our loan was recently sold to a new company which outsources its servicing to Specialized Loan Servicing, LLC. Since the transfer the customer service is awful and they have not been able to provide us with the ability to obtain Checks to use against our Home Accelerator Line and our monthly statements fail to provide any specific information on who or what entity is pulling money out of our account which prevents us from reviewing for any fraudulent activity or identity theft which is a huge concern in this financial environnment. The basic information needed on an a monthly account statement for any sort of bank reconciliation is missing. 

Its seems as if the financial insinuations do n't want to comply with regulations so they are outsourcing to this company which seems to be inadequate in providing the very basic information to consumers to properly monitor the withdrawals and payments of equity lines and loans. They fail to provide any detailed account information showing where any of our monthly payments to the loans have been applied. I assume they are required to comply with the minimum disclosures and fraud prevention as a servicing company but have told us they do n't have any resolution at this point. There also seems to be hundreds of complaints on line about the servicing and payment allocations of this company and I am concerned that we will also be subject to similar violations.

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 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: FL

Complaint narrative:
A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to reappear on my credit report. It is unlawful for a collection agency to report inaccurate information on a consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My company has been working on this file since XXXX of this year. We have had to get in contact with HUD ourselves due to the ridiculous behavior of US Bank in attempting to delay this short sale. Originally, the property was overvalued and US Bank refused to acknowledge this even when the FHA Buyer had an appraisal with a much lower value. After getting in contact with HUD, we were finally able for a 3rd appraisal to be done on the property and the Foreclosure sale postponed and put on a hold. 

In addition, we requested a new CRM and Negotiator in hopes that they would move the file quicker. During the short sale process, XXXX XXXX has retired from her job due to pay cuts in Illinois. If she had not retired, she would be unable to collect pension for the many years she worked for the state. The pension takes up to six months to go through so she currently has no income. 

Our buyer has come up to {$80000.00} to exceed the 88 % net required by HUD. Since the value is at {$79000.00}, this puts us {$51.00} over the net. However, I received a message after hours on XX/XX/XXXX which was not seen until the morning of XX/XX/XXXX, that the file was declined by FHA. XXXX XXXX eventually returned my call and let me know that this file was declined because the Seller moved in with her husband 37 miles away. However, I am aware that a relocation of over 30 miles is an acceptable hardship for the FHA and US Bank. The reasoning why this file was denied with relocation as the original hardship and the new hardship of the Seller out of work is unfounded. 

It seems to me, that US Bank is wanting to foreclose on this property instead of trying to work with our client to settle the debt. They have done nothing but prolong the process and make every step along the way more difficult than it should be. I have reached out to my representatives at HUD multiple times with no response. I have also submitted a complaint to US Bank 's RMD Consumer Advocacy Center with no response.

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