vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
First Tennessee Bank allowed a series of fraudulent deposits to be made by The Tennessee Department Of Labor. XXXX XXXX XXXX XXXX did not report their tax ID number to the Tennessee Clearing House. Taxes was n't being paid on me. XXXX XXXX did not report my date of hire, the date I was laid off or my buy date to the department of labor. XXXX XXXX pulled my employee records & got this information to me. The amount I was suppose to be paid was n't reported to the department of labor in the state of Tennessee. First Tennessee Bank allowed employees with the department of labor to create checks in my name. Their routing number is on the checks. First Tennessee Bank tried to delete the images to keep me quite. The employees offset the deposits using the bank deposit slips. I filed a medical malpractice law sue in XXXX. In XXXX when I began with my depositions. I happened to be under wage earner. The wage Warner attorney reported my law sue as workman 's compensation. All of my records became public, without my knowledge. Of course XXXX XXXX told me what happened. The malpractice attorney asked for XXXX dollars. I guess the citizens in XXXX thought they hit the lottery. The XXXX Family took Complete advantage of the Government. They changed the buy date to XX/XX/XXXX to steal additional monies from the government. XXXX XXXX insured a series of people. XXXX XXXX  was the agent that added a different number at the end of account number. The account number was XXXX XXXX XXXX. People paid for car warranties to service cars. XX/XX/XXXX $ XXXX-spp in XXXX -car warranty XXXX. People had services sigh XXXX XXXX XXXX with code names to identify each other. This is organized crime. XXXX XXXX  participated in this. Transaction from Tennessee department of labor. TN UI Payments XX/XX/XXXX-XXXX & XX/XX/XXXX-XXXX. This money did n't belong to me to be disbursed in the manner it was disbursed. XXXX XXXX XXXX bills was being paid that did n't belong to me. On XX/XX/XXXX-acount number XXXX was paid. The amount paid was {$360.00}. This was n't my account number before First Tennessee Bank took my home at XXXX XXXX XXXX. XXXX TN XXXX. Different mortgages was paid to XXXX XXXX XXXX with Government funds. Using my social security number & drivers license. On XX/XX/XXXX a complete XXXX bill was paid. The ref # is XXXX. A series of XXXX bills was paid. XXXX payments was made to steal XXXX XXXX XXXX  insurance, XXXX, & accident. Different people used my insuran e. Everything has been taken from me with the bank help. When I reported everyone deleted information, rather than admit you failed to notify me of the fraudulent activity. Checks was being used with my account numberXX/XX/XXXXXXXX amount {$90.00}. check number, XX/XX/XXXX-XXXX- {$10.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Debt does not belong to me and after research I have found Credence Resource Management does not have License to collect in my state which is Florida

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 2017-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IA

Complaint narrative:
I had a charge off for XXXX XXXX / XXXX XXXX for {$160.00} on my XXXX XXXX card it went to collections agency Global Solutions back in XX/XX/XXXX and then it went a third party collector in XX/XX/XXXX. I have paid over the amount owed between the 2 collection agency and XXXX is still stating I owe over $ 74.My bank accounts show payments made XX/XX/XXXX Global Credit Solutions {$50.00} XXXX XXXX  XXXX XX/XX/XXXX Global Credit Solutions {$35.00} XXXX XXXX XXXX  XX/XX/XXXX Global Credit Solutions {$32.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX {$33.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX {$25.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX {$30.00} XXXX XXXX XXXX So I am not sure if the collection agency distributed the payments to the orginal creditor. I have well over paid the amount due back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed credit inquiries in writing on all XXXX bureaus and was denied any 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 2017-07-09 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: FL

Complaint narrative:
Debt does not belong to me and after research I have found National Credit System does not have License to collect in my state which is Florida

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
There are XXXX hard inquiries on my credit report from the same company : XXXX. The inquiries are 3 days apart.One in XXXX XXXX, 2017 and one XXXX XXXX, 2017. There 's also XXXX inquiry from Chase Bank USA on XXXX XXXX, 2017 that was n't approved. I have credit cards with chase but they 're old and there 's no reason for a new inquiry, especially if I was n't notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
My husband and I are in the process of buying a house and went under contract, a month later our credit report was re-pulled to be sure nothing came up that would need to be resolved. We were not under the impression anything would. We found that we were marked late with our car loan through JP Morgan Chase for a month which we were not late. For two months prior we were late due to me being in and out of the hospital, my husband missing work, and unbeknownst to me, you are able to change date of payment with no penalty as long as it falls in the month. I was unaware of this and therefore those months were late. I paid those months ( XXXX and XXXX ) to date in the first week of XXXX on XXXX XXXX, 2017, amount {$490.00}, once this was paid to date, I then paid for the month of XXXX on XXXX XXXX, 2017, amount {$240.00}. My payment date is the XXXX of every month so I was sure to pay within the 30 day window. Paying on the XXXX was within that 30 day window. I called and spoke to SEVERAL different people all who told me they could not help me unless they were in the wrong. An investigation was opened with customer support that I called about daily. I was sent to the highest supervisor I could go to who was apologetic for the situation, but told me he could n't give me a letter stating they would remove this from my report, the best he could do was refund all late fees. He told me I had to go through the credit bureaus which I do n't have time to wait on considering the situation. He sent me to the executive office. They opened an investigation after speaking to two different people in this department, one of whom argued with me until she admitted they were at fault and noted my account. After proving my point that for the month of XXXX I was not late and stating several different times to several different people how time sensitive this is and I need a letter stating this will be removed from my credit to move forward with buying the house, I was unsuccessful in dealing with Chase and told I had to dispute this with the credit bureaus because they are n't authorized to send such letters and they could n't guarantee it would be removed through a dispute. I am at risk to lose my deposit, the house, and I ha e two little ones, another on the way, and this has tossed our world upside down. Chase has acted unreasonably in this situation. With me not being at fault for the month of XXXX, this should be removed from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I applied for a capital one card with a promotional code that was send to me and was approved for XXXX cards. One was for XXXX and the other XXXX When filing out the application I put in my personal information and received an alert that I had XXXX inquires on my credit report. I created a user name and password and was giving immediate access to my card and was able to use them. Capital one is decided that the promotional codes were sent out in error and it was a glitch. The company has since restricted access to my cards, I 've called the fraud team and they are giving no information. I want to know what I need to do as a consumer so that this does not affect my personal credit. I would have never applied for this card had I not received the email and I feel it was bait and switch. Another concern that I have is how will this be reported to the credit bureaus? How will my utilization be affected as thisis 30 % of my score. I do not feel it is fair for them to approve a card, mail it, then restrict it with an explanation to what happens next.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: FL

Complaint narrative:
I submitted documentation to remove invalid hard pulls off of my credit report and was denied any corrections.

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 2017-07-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
<P/>
Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks

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 2017-07-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted documentation to remove invalid hard pulls off of my credit report and was denied any corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have been put in continuous forbearance with huge amounts of interest applied for over a 10 year period and not told about  IBR  options until last year. I only make about  XXXX  a year and my balance has gone from about  XXXX  to  XXXX  now. I have made payments when I can but I struggle and I filed BK  XXXX  in  XXXX  in    2013  with an income of only about  XXXX  a month and was not allowed to put in on the bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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:
I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
<P/>
Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks

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 2017-07-09 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:
I had a XXXX XXXX XXXX mortgage that was part of an approved short sale in XXXX 2013 ( the account ended in XXXX ). The balance was settled, there is a XXXX balance and the current payment status should reflect as such. It has been brought to my attention that all XXXX credit reporting bureaus are reporting the current payment status as 120-149 days delinquent. I was informed by a potential creditor that this information is technically considered a current delinquency by automated credit engines used to determine eligibility for credit. Additionally, XXXX XXXX who was also involved in the same approved short sale of my house is not reporting it currently delinquent, but reflecting the account closed and settled.
<P/>
Please have the reporting from XXXX XXXX XXXX and/or the bureaus corrected. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have obtained a recent copy of my credit report and have come to notice that there are just a few outstanding collections that I have no verification and or validation from and have asked the CRA Equifax to take care of these issues for me.
The ones that are troubling are the medical collections in which may be violating my patient confidentiality and is a HIPPA violation.
<P/>
Certified letter has been sent to Equifax requesting the same.
Tracking number XXXX - Equifax Credit Information Services, Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Submitted written documents to dispute invalid inquiries from my 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 2017-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC
State: NJ

Complaint narrative:
This debt is dated for XX/XX/XXXX ( was at work ) or XX/XX/XXXX ( moved back to NJ in XX/XX/XXXX ) for XXXX. I never received a notice on this debt, the debt is on my credited report. I called the collection agency I told them that this debt does not belong to me and to remove their name from all XXXX credited bureau, because it 's affecting my credit score. I was told they could not do that the debt is in my name and I had to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: WI

Complaint narrative:
I hope you can help me out. I 've been trying to with no avail for the last YEAR to sell a vacant lot that I have a mortgage on with Bay View.But I can not get a clear title from Bayview because of a mistake in the legal description. Bayview has been unresponsive to our request to straighten out this matter.The title company tried to work with Bayview and they would not respond to them. I 've tried numerous times to contact them and talk to them and no one would respond to me.So we hired a lawyer and he 's written numerous letters to Bayview and no one will respond to him either. Bayview is holding up the sale this property by their lack of communicating with us, let alone trying to fix the problem. We could really use some help here because everything we 've we have tried so far has not worked. <P/><P/>The problem is in the legal description of the property. I bought the property 12 years ago with a small cabin on XXXX Lots. Throughout the years we built a XXXX bedroom XXXX on XXXX of the lot and refinance a couple of times to do that.The original mortgage holder ( XXXX XXXX ) would copy and paste the original legal description for the property on all the new loan agreements, thats where the problem is. Even though we broke them up into XXXX separate parcels each with their own separate loan. I need to getclear title for the vacant lot so we can proceed with the sale and pay off that loan.But Bayview lack of  response for OVER A YEAR is unacceptable.I also fell thy are breaking numerous banking laws by their lack of response and their unwillingness to help resolve this matter. <P/>I 'm attaching copies of the letters that were sent to Bayview over the last year, which will help establish a time line and we also had numerous phone calls that led to nowhere!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
XXXX and coinbase.com have absolutely nonexistent customer service and there is evidence accumulating that they are actually running a Ponzi scheme. I submitted a withdrawal increase request on XXXX XXXX, 2017 and despite stating that review takes 5 to 10 business days, they have yet to approve or deny my request. Multiple repeated attempts at contacting the customer service have been completely ignored. There is evidence that they are intentionally " losing '' large withdrawals ( on XXXX  ) and not approving withdraw increase requests because they only allow people to withdraw a sum smaller than they have coming in that day ( I.E. THEY ARE RUNNING A PONZI ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had contacted all 3 credit bureas and put a fruad alert on my ssn because i noticed that there was incorrect information on my file. Then i also noticed that there were bank accounts i never opened, and the accounts were way before i had turned the legal of XXXX. I turned XXXX in XX/XX/XXXX. And i was living in the XXXX from years XX/XX/XXXX-XX/XX/XXXX i dont know how i would be able to apply for any of accounts. Both accounts were credit and store credit accounts. I had opened an account with bank of america and noticed that they already had an under my name and that the account was recently closed in XX/XX/XXXX a few months before i had arrived back in the US. Same goes for XXXX XXXX when i decided to get a credit check i noticed there was also a XXXX XXXX and a XXXX card and a XXXX account that were all open under my name and my ssn and all the dates were when i was under he age of XXXX. Ive filed reports with the XXXX and with all 3 bureas but all thats happened is just a few corrections of my personal info

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 2017-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy Federal Credit Union will not let me resolve issues via their telephone teller. This ahs prevented me from accessing my accounts and paying bills in a timely manner.

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