vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 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: MO

Complaint narrative:
I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

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 2018-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: MO

Complaint narrative:
I have disputed this account a few times, so today I'm filing this complaint because the credit companies failed to remove XXXX XXXX XXXX  XXXX account in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted. Inwhich XXXX   breach has compromised millions of Americans private information and I'm one of them.

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 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
Medical bill isnt mine but they still report and when I call they are very rude and talk down on 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 2018-02-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: ID

Complaint narrative:
A couple of months ago I contacted American Education Services and I asked them if they could work on changing my payment plan. My wife just had XXXX and we are struggling to make all of our monthly payments. They told me that I've used up all of my forbearance which was when I first got out of school during the recession. Since then I've been paying close to a $ 900+ per month for about a decade which has not been easy since I have another student loan payment of {$1200.00} with XXXX. They told me that their is nothing that they could do and that they were not willing to help me in anyway. I've tried going to other companies to see if I could consolidate my private student loans but no one out there will touch it. The other interesting little fact is after all of this time I still owe roughly what I borrowed. So I'm stuck and I've been stuck with a variable interest rate. So after that discussion I decided to cancel my auto payment which is frustrating because now it is effecting my credit score and my parents since they are co-signers. 
The last thing that AES decided to do, is this month they ended up taking money out of my bank account after I cancelled auto payments. I went and double checked to make sure on their website that I cancelled auto pay and that I removed my all of my bank account information which I did. " AES '' decided to switch it to a direct debit without my consent. This seems illegal to me. 
These Private student loans have been an absolute nightmare for me and my family. The biggest mistake in my lifetime has been borrowing money for college ( Private Student Loans ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
They were some fraud on my accounts last year but since I been unemployed. I havent been able to to call or find out more about it ... Bank of America was more likely have lost some money ... I just want to fix my financial situation to be able to have checking account. 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 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: TX

Complaint narrative:
I filed a complaint in XX/XX/XXXX regarding a collection for XXXX XXXX XXXX XXXX in the amount of {$830.00}. The account was originally with XXXX XXXX. I asked that proof be sent to me proving this account was opened by me and a signed contract with my signature because I did not open this account. After 15 days, XXXX XXXX XXXX recalled the account and it was deleted from all credit bureaus but now I see that that same account was given to XXXX XXXX and their trying to collect again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have asked why since XX/XX/XXXX that my payments {$800.00} started to increase greatly, to XX/XX/XXXX XXXX Each time I ask to refinace or ask about the HAMP or any other way that would help. I am told i don't qualify. I am told taxes and insurance are the reasons. 
I asked they send me itemized statements that included the statements they receive from my home owners insurance company and my local tax office. 
I send {$50.00} more each month than what is due. I am asking that someone please audit. They sent my tax mortgage statement and then another due to an error.

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 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I WAS A VICTIM OF ID THEFT AND THE ACCOUNT WAS OVERDRAWN I WAS NOTIFIED BY CHASE BANK TO PAY THE FUNDS WITH SECURE MEANS IN WHICH I DID I WAS THEN TOLD TO WAIT FOR 6 MONTHS APPROXIMATELY AGAIN IN WHICH I DID I WAS ABLE TO REOPEN THE ACCOUNT AND NOW ITS CLOSED THE ACCOUNT NEVER WENT BELOW NO BOUNCED CHECKS NOTHING ADVERSE. MY ACCOUNT WAS CLOSED THEY TOLD ME THEY DONT NEED TO TELL ME WHY AND I CAN NOT REOPEN MY ACCOUNT ... ... I WANT TO KNOW WHY I WAS TOLD TO FILE POLICE REPORTS IN REGARDS TO THE ID THEFT SUBMITTED THEM AND NOW THIS PLEASE PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been locked out of my account with Coinbase with no access to funds within it. I logged a report with customer service on XX/XX/XXXX during which i was told purchase orders were suspended on my account. The reason was not provided and I was informed that the issue needed to be escalated. An estimate of 3-5 days was provided. 
A week later and no contact was received so i followed up and was given the same answer - the issue has not been reviewed yet and is sitting in queue. 
An inability to create a purchase order should not preclude me from viewing my current holdings. I am completely in the dark as to if my account balances have been tampered with. Coinbase has effectively frozen my assets with no warning. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: AES/PHEAA
State: IL

Complaint narrative:
This is for XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX I paid off all of my loans in full in late  2015. Suddenly they are showing a {$0.00} balance on my account and have restarted my autodebit payments, and were about to debit for the full amount ( {$480.00} ). I had a long, very tense call with them where I was mostly on hold and they gave me a LOT of conflicting information. All they've done for now is suspend the one autopayment, but I'll need to do it again and meanwhile their system is still showing a tiny balance which they haven't corrected. I'm afraid this is going to balloon into a much bigger problem and I'm also worried about what other clerical errors they've made with my account and others.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PMAB,LLC
State: NC

Complaint narrative:
I am updating original complaint that I sent to you. I made an original complaint XX/XX/XXXX for the debt collection company PMAB , LLC about not reporting to the credit bureaus XXXX-XXXX-XXXX   for the amount of XXXX. This is a medical debt. This debt came off the credit bureaus from another debt collection agency and was to go back to spin from XXXX XXXX, XXXX. PMAB , LLC responded during original complaint XX/XX/XXXX. The representative on that day told you CFPB it may prevent the items from reporting back to credit bureaus for minimum payment. I still can not afford. I have documents listed from that contradicts on what PMAB , LLC says on that they opened these accounts to credit bureaus XXXX and XXXX between XX/XX/XXXX and XX/XX/XXXX. How can this be when they told you it hasn't been reported on XX/XX/XXXX. False statement. I also did a history from XXXX  only no updates for XX/XX/XXXX cause its still updating.. from XX/XX/XXXX you would think it would have been listed as was XXXX and XXXX but there is no opened date for this. On XX/XX/XXXX, I got a letter still from PMAB , LLC that the total XXXX has not been reported to the credit bureaus. My opinion is it had all ready been with the credit bureaus from another collection agency. The company could have put it as current account balance but did not. The reason is because it has run its course. Now on XX/XX/XXXX, please note I have documents stating on XX/XX/XXXX that its updated from XXXX and XXXX, no 30 days was given to make a formal dispute. I get another letter from PMAB , LLC Some other accounts evidently are falling off credit report XXXX XXXX XXXX XXXX from XX/XX/XXXX the totals XXXX, XXXX, XXXX. So with previous debts total XXXX it is suppose to be XXXX adding the XXXX from XXXX.Only the XXXX is not listed along with XXXX and XXXX. The XXXX and XXXX I understand PMAB , LLC didn't have to report because its under XXXX dollars. So the XXXX did fall off all credit bureaus from XXXX and XXXX, XXXX  is still updating I won't be able to send. to where all should have fell off credit reports. XXXX is what is listed from XXXX and XXXX. PMAB , LLC wants me to pay this where it should be XXXX. PMAB , LLC is coming up with a different total because of the agreement PMAB gave me stating this would not be reported. Once again all these accounts have run its cycle in the credit bureaus from XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MO

Complaint narrative:
I don't believe this debt is owed by me because i do not recall opening the account. Please remove my name from it. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: DE

Complaint narrative:
I called today at XXXX eastern US time and spoke to a customer service agent names XXXX. I explained I was a Victim of their Inquiry issue. I explained that I wanted All inquires up to the start of 2018 removed from my report as my faith in them is now shaken as a credit reporting agency. The inquiry glitch was them removing millions of peoples inquires and then violating the FCRA and re-adding them without notifying each person within five business days. He informed me that they were not willing to resolve 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 2018-02-23 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I received a letter in XX/XX/XXXX from XXXX XXXX advising that my credit card application was declined, but I never submitted an application. I sent a letter to XXXX XX/XX/XXXX XX/XX/XXXX advising that I never submitted an application and asked them to remove the inquiry. I also asked for a copy of the application. They responded on XX/XX/XXXX advising that the application was completed on XX/XX/XXXX, but did not provide the application as requested. This information is false. I never applied for a credit card with XXXX XXXX and I want the inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
I got a call on XX/XX/XXXX about a debt with a collection agency for XXXX XXXX that I had not even received a final bill with after filing a billing dispute in XX/XX/XXXX over the amount when canceling my insurance. I told the guy witn the collection agency I hadn't even gotten a corrected bill which by law they have 60 days to send me and I have to pay The guy at the collection agency said they mailed me a final bill XX/XX/XXXX. And I said but you are calling me XX/XX/XXXX not even 30 days after a final bill was mailed that I never received. XXXX never mailed the bill. 
I said I dispute this. He said well it's accurate and if you don't pay today we will damage your credit and the whole nine yards. I told him I'm calling XXXX. What you are doing is against the law. He said it's not we can do whatever we want.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: FL

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
I have never heard of this company, nor have I had any communication with this company. Last I heard was, I was up to date with my XXXX account. I havent done business with them in years. And now I have this collection from another company on my credit report. I want this off my credit report. This is ridiculous. I know nothing about this account nor why it is reporting.

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 2018-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I had XXXX XXXX. In the process of doing so XXXX XXXX XXXX was engaged to do some XXXX test. They were paid as a out of network provider and are trying to claim I have additional obligations as they are trying to collect " balanced billings ''. 
I was explicit in my instruction to the hospital and to the medical personnel that no out of network providers are allowed to perform any testing or surgical procedures on me. 
1- I never authorized XXXX XXXX XXXX to perform any tests. 
2- XXXX XXXX XXXX are not affiliated with the XXXX Hospital- very deceptive. 
2- The doctor was specifically told to not use any out of network providers- 3- XXXX XXXX has paid them their portion that the insurance company would normally pay. 
4- XXXX XXXX XXXX has been non responsive 5 This is a billing issue between XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I consolidated my loans and began a wage garnishment with my employer on XX/XX/XXXX. They are taking 25 % out of my check every week. 

About a month ago, my wife, daughters, son-in-law and father began getting phones. A company said they needed to talk to me about a " loan '' or a " legal matter. '' Then, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, saying that my federal student loans are currently in default. ( I thought I only had one loan. ) I'll attach a copy of this letter. That XXXX has hired them to collect, due to my being in default. 

Then, on XX/XX/XXXX, I received a similar letter from XXXX, alleging the exact same thing. The interesting thing is that there is no phone number on this letter. No way to contact them, except to write. 

I'm also going to attach a copy of the XXXX XXXX from XXXX XXXX XXXX  XXXX, showing that I paid {$2800.00} in interest through wage garnishment. I notice that it references " c/o Navient Post Claim Assistance. '' So Navient is now servicing my loan. 

I don't understand how two different companies can contact me, claiming they are hired by XXXX to collect a debt that is NOT in default.

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 2018-02-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3.  XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : 1.XXXX 2. XXXX XXXX. XXXX 4. XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. 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 2018-02-23 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX 2. XXXX XXXX XXXX XXXX, XXXX XXXX FL. XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXX XXXX FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX FRAUDULENT PHONE NUMBERS : XXXX 2. XXXX 3. XXXX 4.  XXXX 5. XXXX 6. XXXX 7. XXXX 8. XXXX 9. XXXX 10. XXXX 11. XXXX 12. XXXX 13. 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