vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLA Collections {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX ( Total of 15 GLA collections paid off from my bankruptcy, that has not been pulled from  my report that is all settled and paid through bankruptcy ) XXXX XXXX   {$0.00} balance paid off in bankruptcy Reported XX/XX/XXXX Bankruptcy public record still on my report ( Chapter XXXX, Filed XX/XX/XXXX, Discharged XX/XX/XXXX. ) ( still not dropped from report ) All of these items have been reported through the credit monitoring, but are not being removed, and it has been over a month to a month and a half and no changes have been made, and I was referred to your company from my bankruptcy lawyers company that you all would be able to take of these issues. Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened an account with wells fargo to buy furniture for my daughter. she was to make the payments. she accidently made a double payment on XX/XX/XXXX and XX/XX/XXXX. i called on XX/XX/XXXX and spoke to a XXXX , who told me the extra payment would be credited back to my daughters account on XX/XX/XXXX. today is XX/XX/XXXX, still no credit. I called today XX/XX/XXXX and talked to XXXX and XXXX and was told it could take up to 10 business days to refund that money ... that's not what i was told by XXXX..wells fargo has been caught in shady business dealings recently and i'm afraid this might be another. my daugher isn't even sure she made a double payment by accident..just saw the money missing from her account..i told them i was contacting the ftc who referred me to this site.

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
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
I recently ran my credit report on notice that I owed some money through XXXX XXXX that was being handled by a company called Diversified Consultant. Apparently this bill was for service that I had when I was in Indiana and was not aware because of not receiving any information and relocating to another State. On XX/XX/XXXX, I mentioned this to Diversified and asked if I pay it off can I have it deleted from my credit report. They said all they could do is show it was paid in full. I paid the amount due and requested an email as well as letter stating that this bill has been paid which I have still not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
To Whom It May Concern : I received an alert from XXXX, XXXX and XXXX about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to XXXX  by XXXX. I have received a response that clearly violates my rights according to HIPPA. 

XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2018-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Recovery Services, Inc.
State: OH

Complaint narrative:
This company keeps calling and harassing me. I advised them to send me a letter stating specifically what is owed and who the original creditor is. They state theyre not sending a letter. They also assume that Im XXXX XXXX, and try to verify the last four digits of my social security number and date of birth. I have asked them repeatedly to cease all communication and to only contact me by mail. I ask there address and they wont give that information, I asked to speak to a supervisor and they hang up. They even hang up as soon as I try to ask a question.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Thanks Experian for quick response. I am using CFPB 's help because you did not investigate the issue properly when I tried to resolve the issue directly with you. I made a conference call with Experian Dispute Rep and XXXX XXXX on XX/XX/2018, and XXXX XXXX Representative confirmed over the phone that they sent you a request to remove all derogatory information from your report. The experian representative was on the line and she confirmed that it will be corrected immediately. However, five days have been past and Experian is still reporting inaccurate information on my 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 2018-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I received a new Bank of America card for my account and was told by customer service today XX/XX/2018 that my account XXXX had been closed last month for inactivity. When I spoke with customer service I was informed that the account could not be reinstated because the terms and conditions were no longer available. 

I have had an account with them for nearly 30 years and I suspect that my account came under scrutiny because I had retired last year and this was an easy way to eliminate the account that was no longer as profitable for them. 

They offered to let me apply for a new account under what I assume would be less favorable conditions ( Especially because my income has obviously changed since my retirement.

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 2018-07-27 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: TX

Complaint narrative:
On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 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: TX

Complaint narrative:
On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.

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 2018-07-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I received an alert from Experian, XXXX  and XXXX  about an account being reported by XXXX. 

Please be advised I have requested validation { not verification } of an item reported to Experian by XXXX. I have received a response that clearly violates my rights according to XXXX. 

XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX  rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2018-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This account has had a hold for over 3 years. I have sent over documents requested to Capital One for verification to remove this hold. I have just recently resolved the annual fee being charged to me for the past 2 years and it was credited back to the account. However this is useless because I have no card to use this account, therefore a credit is useless unless I can use the card. I have called and left voicemail to the representative handling the last complaint, with no call back or card replacement. My last correspondence to Capital One was a fax with all my verification documents almost 3 months ago. Still no card or response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-27 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: FL

Complaint narrative:
To Whom It May Concern : I received an alert from XXXX, XXXX  and Transunion about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX by XXXX. I have received a response that clearly violates my rights according to XXXX. XXXX did NOT provide me a XXXX release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my XXXX  rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

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 2018-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maury Cobb, Attorney at Law, LLC
State: IL

Complaint narrative:
On XX/XX/2018. I noticed on my credit report that I XXXX Collection Agency placed a XXXX collection item on it. I then filed a complaint against them through your office complaint no : XXXX. Stating that I received something from an attorney and I didn't know who the attorney was. I RECEIVED the notice on XX/XX/2018. Advised in that complaint that in the attorney 's notice it stated that I had 30 days to dispute the validity of the debt and to request verification. However, I was never given that from XXXX Collection Agency before placing item on credit report by the company the law firm is representing as a collection item. 

On XX/XX/2018 I followed up with the number on the notice received from the attorney office. The name of the attorney office is Maury Cobb Attorney at Law, LLC. This attorney office is represents XXXX collection accounts. The date on the notice was XX/XX/2018. When I spoke to a representative not a legal representative, but works at the office. I told him per notice that I was disputing the validity of the debt. I explained that the collection Agency XXXX put the account as a collection item on my credit report. The representative stated that their firm MAURY COBB ATTORNEY AT LAW didn't add the collection account to my credit report the Collection Agency XXXX did. I stated that the same account that they are asking me to dispute within 30 days for validity, was being placed on my credit report ALREADY as a collection item. 

I asked is XXXX, XXXX and your firm all connected to the same account. The representative said yes!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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:
To Whom It May Concern : I received an alert from XXXX, Equifax and XXXX  about an account being reported by XXXX. Please be advised I have requested validation { not verification } of an item reported to XXXX by XXXX. I have received a response that clearly violates my rights according to HIPPA. XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation as well. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have pulled my annual credit report & my name first & last is incorrect under Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Mortgage Servicing is trying to foreclose on property they have no authority to do so. They have a modification of a XXXX, trust that is not even notarized. As a debt collector they will not even request a notary copy from XXXX ; in order for a contract/modification to be valid it must be notarized ; however, these folks do whatever they want and need to be stopped, this is shear nonsense. Nevertheless, they are in violation of the Fair Debt Collection Practice Act ; for non verification of debts ; not ensuring the correct debt amount ; etc. Shellpoint has dual roles and accordingly to FDCPA ; if a debt is transferred or sold in default ; then they are debt collectors and need to comply with FDCPA. 

The difference between a REIT trust and a REMIC trust and this is a good time to explain. Even federal bankruptcy judges have failed to understand the difference. This has become a subject of confusion, because the rules are different. A REIT can accept promissory notes endorsed in blank, while a REMIC can not ( at least in New York and most REMIC trusts are under New York law. ) A REIT is a Real Estate Investment Trust. The REIT is an actual corporate entity. It is a business corporation with all the rights of any other corporation. On the other hand, a REMIC is not. A REMIC has no corporate powers. It is a Special Purpose Vehicle ( SPV ) which is completely passive. It is a pass through entity. It cant conduct business. It cant take on debts. It cant own physical property or even cash. It can only hold promissory notes and mortgages. ( if endorsed ),

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ross Financial Recovery Group
State: OK

Complaint narrative:
Today, XX/XX/2018 I was sent an email from the " director '' of Ross Financial Recovery Group. His email stated that I owe XXXX XXXX XXXXXXXX {$590.00}. I actually owe XXXX XXXX XXXX {$560.00}. The reason I know this is fake is because my address is wrong and so is my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
Around XX/XX/XXXX I was unexpectedly locked out of my Coinbase account without warning or a reason given. I contacted customer support about the issue and they replied that they had a specialist working  on the issue. I waited patiently for the issue to be resolved, but I didnt hear anything from Coinbase. Almost 3 weeks I have been locked out. I contacted customer support since then close to 10 times, and each time they tell me a specialist is working on it. They asked me to take 2 surveys about my account. I did everything the have asked. Even customer service keeps saying that it shouldnt take this long, but there is nothing they can do. I have almost XXXX worth of coins in the account and its all locked up. Meanwhile my bills are piling up. I have read that this has happened to many other people being locked out of their accounts for no apparent reason for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/18 I filed a complaint/ dispute against XXXX XXXX XXXX for this misrepresenting my payment history on my credit reports. They since corrected it. Now I received notification that they are reporting it delinquent again and the account has been closed. Even worse is that they are reporting it now to both Transunion and XXXX. Is this legal? 
Here is the timeline : On XX/XX/XXXX, my score dropped 69 points ( XXXX to XXXX ). Dispute made XX/XX/XXXX. When the dispute corrected the issue, XX/XX/XXXX, my score only went back up to 66 points ( XXXX to XXXX ).  Now, on XX/XX/XXXX, my score went down 50 points ( XXXX to XXXX ) because the " Current '' status was changed back to 30 days past due ( From XX/XX/XXXX ). 

The initial drop in my credit score was approximately 69 credit points, then it went back up only 66. How can they correct their mistake than take it back. I am in the middle of trying to get financing for my family 's business and this is hurting my chances. Isn't this illegal? How can these people continue to kill my credit score without proof. They are misrepresenting my account history. Who is going to hold these people accountable? I pay my bills and they are the ones XXXX  people and they get away with it. This is completely unfair.

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