vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-22 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: CA

Complaint narrative:
To whom this may concern, I am writing to express concerns regarding TransUnion 's handling of a number of disputes and requests for information regarding unrecognized information on my TransUnion report. Specifically, despite numerous disputes and letters sent to TransUnion not only disputing suspicious records but requesting the documents, records, and actions used to make a dispute determination - TransUnion has not fulfilled its obligations under both California and Federal Law.
To be more precise : 1. ) TransUnion appears to be purposefully delaying the execution of dispute investigations that are submitted through XXXX XXXX. Historically, TransUnion responds to dispute requests within 7-10 days. However, TransUnion has taken the full thirty days to respond to multiple disputes that have been filed through XXXX XXXX. It reasons that TransUnion is delaying the submission of the dispute result to XXXX XXXX and the consumer to avoid additional disputes and or hoping that the consumer will forget about the dispute after 30 days. Either way, this appears as a rather abusive tactic to avoid good faith compliance with state and federal laws - which ultimately harms the consumer. 2. ) After TransUnion made a determination on credit accounts labeled as " XXXX XXXX '', " XXXX XXXX '', etc I made multiple formals request to be provided with the documents, records, and actions TransUnion relied upon to make their determination. To date, TransUnion has not responded to these letters no has TransUnion provided the requested documentation. Because TransUnion is not providing me with the documentation, there is no way to ascertain whether TransUnion is actually investigating these disputes in a professional, diligent, and timely manner. 3. ) It is worth mentioning that there are other outstanding concerns with TransUnion 's handling of my consumer file, which includes the willful inclusion of known-to-be incorrect address information. However, for the purpose of this complaint, I want TransUnion to address the above issues and provide me with documentation concerning my correspondence to TransUnion, the documents, actions, and records relied upon in their investigations, and an explanation as to their behavior as I try to resolve problems with 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 2017-07-22 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: IL

Complaint narrative:
On XX/XX/XXXX a call was placed to Transunion. I spoke to two representatives. One outside the United States and one United States representative. I am a XXXX veteran, a victim of identity theft and recently notices many unauthorized inquires on my consumer credit report. I also have a fraud activity alert on my file and have not received notice of new credit inquiries. These representatives would not help me with this issue. Inquiries include : 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX/XXXX- XX/XX/XXXX 4. XXXX XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX XXXX- XX/XX/XXXX 7. XXXX XXXX- XX/XX/XXXX 8. XXXX XXXX -XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX 10. XXXX XXXX- XX/XX/XXXX 11. XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX- XX/XX/XXXX 13. XXXX XXXX- XX/XX/XXXX 14. XXXX XXXX- XX/XX/XXXX 15. XXXX- XX/XX/XXXX 16. XXXX/XXXX- XX/XX/XXXX 17. XXXX/XXXX- XX/XX/XXXX 18. XXXX XXXX XXXX- XX/XX/XXXX 19. XXXX XXXX  -XX/XX/XXXX 20. XXXX XXXX- XX/XX/XXXX 21. XXXX XXXX XXXX-XX/XX/XXXX6 22. XXXX XXXX- 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 explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I purchased XXXX Litecoins using Coinbase on XX/XX/XXXX. The currency showed up in my account on XX/XX/XXXX, however, after showing up in my account, my buy and sell activities became restricted for no apparent reason. After looking at my sign in log it does n't look as though someone was trying to access my information, and I even provided further identification with my drivers license with no luck. Its been 7 days and I want to be able to actually access my money. This may seem like poor customer support that just needs to be resolved, but several people on XXXX seem to be having a similar experience with Coinbase right now. I luckily only bought XXXX  litecoins for {$230.00} total. Some people have a lot more than I do, and do not have access to that money they bought, which is why I classify this as a scam. It does n't make sense that the day I receive my money, I can not longer buy or sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I recently put an offer on a house and my offer was accepted by the seller. I tried to follow the CFPB 's steps detailed in " Owning a home - Compare loan offers. '' Once my offer was accepted/contract ratified I quickly moved forward with comparing loan offers so that I could select the best loan for my situation. I already had 4 lenders I was working with. I requested the " Loan Estimate '' form from multiple lenders so that I could easily compare offers ( apples to apples comparison ).
I requested the Loan Estimate from this lender a number of times and I was given a multitude of reasons for why the lender could not accommodate my request. The lender said that 1 ) Their loan form is a proprietary form and it is much better and easier to understand than the Loan Estimate, 2 ) Their system can not output a Loan Estimate until the rate is locked in and a buyer has decided to go with them as their lender, 3 ) Providing the Loan Estimate at the shopping/comparison stage is not part of their process. After numerous failed attempts to get this lender to provide the Loan Estimate I instead received something called the " Approximate Loan Cost Illustration. '' I had received Loan Estimates from two other lenders and so I could not compare the " Approximate Loan Cost Illustration '' to the Loan Estimates and conduct an apples to apples comparison. To add insult to injury, the text at the top of the " Approximate Loan Costs Illustration '' reads : " Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. '' The fact that they blatantly contradict themselves is insulting to me as a consumer. This was very frustrating and ultimately led me to decide to go with a different lender, one that followed the rules that have been put in place by the CFPB to protect consumers.

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 2017-07-22 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: OK

Complaint narrative:
I am XXXX percent total XXXX service connected Veteran. I had a Federal student loan first with XXXX XXXX then it went to XXXX XXXX XXXX XXXX then to XXXX but is showing on my credit repots all  Three that it is negative over 90 days I did not have to pay the student loan according to Federal Law but they kept billing me for the loan and then reported it to the Credit reporting agenies. This is hurting my credit score I have tried to resolve this with the credit reporting agencies and the student loan companies but they say the reporting is true and accurate. This is Unfair credit reporting and should I am going to submit it to the XXXX. If the student loans were to be forgiven as Federal requires then it should not show on the credit report as late payments.

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 2017-07-22 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: OK

Complaint narrative:
I am XXXX percent total XXXX service connected Veteran. I had a Federal student loan first with XXXX XXXX then it went to XXXX XXXX XXXX XXXX then to XXXX but is showing on my credit repots all Three that it is negative over 90 days I did not have to pay the student loan according to Federal Law but they kept billing me for the loan and then reported it to the Credit reporting agenies. This is hurting my credit score I have tried to resolve this with the credit reporting agencies and the student loan companies but they say the reporting is true and accurate. This is Unfair credit reporting and should I am going to submit it to the XXXX. If the student loans were to be forgiven as Federal requires then it should not show on the credit report as late payments.

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 2017-07-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ORG GC GP BUYER, LLC
State: MN

Complaint narrative:
I 'm filling a second complaint in regards to the situation as NOTHING was resolved the first time. I previously was with the cell provider XXXX and switched to XXXX, When I made a visit to the XXXX store ( XXXX XXXX ) to see what offers they had to potentially make the change to go with XXXX- What they told me sounded very nice and made it what I thought was going to be an affordable switch! They promised {$650.00} to go towards paying off what I would owe XXXX if I left them. They said I would receive this in the form of a gift card within a couple of months. Out of the {$650.00} I was promised I received approx. {$120.00} Gift card! NOT {$650.00} The stores tactics to get you to switch over are deceitful and dishonest! I tried talking to a representative in the store directly which was no help at all. Now im receiving a large phone bill from them- I ended up switching to XXXX because I refuse to go with a company that has done nothing but like from the very start! in My former complaint they responded by saying they sent me a gift card, however what they failed to mention is that the gift card was about {$120.00}!!! very unethical and deceiving!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: MO

Complaint narrative:
I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a XXXX account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a XXXX account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the 7yr limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.

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 2017-07-22 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX, and I am very upset, disappointed, frustrated and at my wits end. I am hoping to get some type of resolution regarding my complaint. First, let me start by saying if Im a consumer and you have my credit file and notice there arent any accounts pertaining to the inquiries or that they are fraudulent and I didnt authorize them, why is it that I must go through so much to have things removed from my personal credit file. The removal of these inquiries are very important to me b/c I cant acquire credit due to inquiries. Im just a mother thats trying to get a home for my kids and I. Attached you will find the order of my disputes that were sent to Equifax multiple times. I started my credit journey back in XX/XX/XXXX. I have mailed letters, I have called, I have faxed, I have disputed and disputed until I am blue in the face and havent had any luck. I made contact with Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have spoken to several representatives. Back on XX/XX/XXXX I spoke with a rep by the name of XXXX and he removed XXXX inquiries for me with a confirmation number of XXXX. I received the dispute results via email and was ecstatic and then I became upset when I noticed that some of the same inquiries were still listed. I was livid. So I called, disputed, called and disputed again. On XX/XX/XXXX I spoke with 2 reps and then finally a supervisor-named XXXX-rep ID XXXX who was very rude and did not try to assist me. I spent an hour and 37 minutes on the phone with her trying to plead my case and also make her aware that these inquiries that are on my report were made while in fact there was a fraud alert and security freeze on my file. She said I needed to file a police report, to me that makes absolutely y no sense at all. I have already reached out to the companies and b/c there arent any open accounts attached to my social security number they are unable to provide me with any type of letter to assist me with the removal of the inquiries. The only thing Id like is for the issue at hand to be resolved and the inquiries DELETED. Hopefully, this time around I will get some type of satisfaction. At this point I dont know what else to do, but Id like for this to go away. Thank you for your time and please see the attachments. XXXXXX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 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: AES/PHEAA
State: FL

Complaint narrative:
Deceptive practices and current lawsuit University XXXX XXXX recruiting of military personnel and veterans.deceptive practices and current lawsuit. Grossly mislead and taken advantage of as a XXXX Veteran. I 'm currently involved in a Class Action Lawsuit against University XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I checked my credit report and there was a collection on it. I disputed I, 2 months later I received a letter from XXXX that states it is verified as accurate.. I do not have a Citibank account. I did not open any accounts placed in collections X/XX/2017. No verification was sent to me on how this account is valid. No signatures, no statements. If I did have a Citibank account, I ca n't find record of it on my old credit reports, it was deleted and past 7 year statutes of limitations. I wrote and mailed a letter to the collection agency jh portfolio, stating this information is false, does not belong to me, no written verification was sent to me prior to it being reported on my credit report, and if it was my account it is past the XXXX limit and was already dropped off and to please take it off my credit report. It is still on it and XXXX verified it as accurate? How? No paperwork, no proof, no anything. If not dropped I intend to sue for damages.

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 2017-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Analysts of MN, Inc.
State: MN

Complaint narrative:
I joined XXXX XXXX to find out that I had a {$96.00} outstanding debt from XX/XX/2011. I disputed the amount since I did not know about it. After disputing it with both XXXX and XXXX. XXXX  dropped it from my report and XXXX left it on my credit. The company in question : PROFESSIONAL CREDIT PO BOX XXXX XXXX, MN XXXX ( XXXX ) XXXX The above agency contacted me after I disputed the amount and wanted money. I told them to send me a copy of the bill and I would review it and pay if I thought it was right. I also stated I would not just send them money not knowing what it was for. I never received the statement or bill from this agency. After a month I did not recieve anything so I filed another request to XXXX to inform them that this needs to be investigated because I have received no information regarding this bill. Again they left it on my report and the same company contacted me wanting money with no documentation. I stated to them that I will not pay for this without documentation and that they need to remove it from my credit report because I have never received documentation for this bill. They stated that is not how this works. Another month has gone by and I still have not received any paperwork for this bill. They have updated XXXX and stated it is still due. Attached is the only information I have ever received which is off my credit report. Professional Credit has never sent me ANY documentation on this bill even after I have asked for it twice and told them I am disputing it.

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 2017-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
I have an open loan with United Auto Credit. I have been diagnosed with XXXX. I am struggling to pay my loan. I am in default. I understand that I am at risk for repossession. The company has not done that ... ... ..instead they call me 5 or 6 times a day sometimes 2 or 3 times in a row. They have been calling my employer the same way leaving messages on any line they can get and also with staff as well as on my direct line. I had asked that my work number be removed from the file last year and was told that it was removed. The tactics of this company are suspect to me accompanied by the fact that this company sent me a record of account holders names and account numbers by accident which definitely violates some laws I 'm sure.

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 2017-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
Original Creditor : XXXX XXXX XXXX ( collection agency- Central Control Financial ) I recieved a call from this agency -- They advised the debt was for my XXXX year old daught but, my name was on the insurance card that she used. Therefore, the company put it on my credit report, I never signed anything or had knowledge of any visited to this agency. However, my daughter has insurance through social security with medicated and it should have been charged. I am not responsible for her bills -- secondly, i found out through the credit report and they called from my report.. I did not have any insurance under my daughter in 2015 but, I am a victim of Identity fraud and furthmore, my daughter lives in XXXX County..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi XXXX XXXX XXXX I had a balance of approx {$3000.00} in XX/XX/XXXX, I paid {$2000.00}. In XX/XX/XXXX we made some large purchases ~ {$7000.00} for an upcoming trip. Before I even received my statement I paid {$7500.00}. I will admit I did not realize I had not paid the complete amount for the previous period. Then I receive the XX/XX/XXXXstatement. I am being charged for interest in items all through the next two statements!!! According to their documentation : " If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. '' XXXX XXXX does not do this. I guess I need to read the detail in the future. I think this is criminal how they treat their customers. Everyone should know about this. It is very wrong.

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 monetary relief