vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MD

Complaint narrative:
I noticed the company reporting on my report late this summer. I called the company several times and ask them to provide me any documentation that the account was actually mine. This is a account with XXXX that I had ten years ago I switch my service for XXXX to XXXX I had to pay my bill in full. XXXX never sent me any other bill and all of sudden last year XXXX XXXX a collection agency started reporting on all three of my reports. I sent letters and letters and finally early this year the account was removed from my reports. Then late this summer it was right back on my report. I was given no documentation or letters from the credit bureaus that the account was mine and would go back on my report. So lately I been calling the collection company and XXXX and asking them to send me any documentation and I still received nothing. XXXX ca n't find anything when I give them my information to look up. Still today it is still showing on my credit report. I am in the Military and this can hurt my Security Clearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: NC

Complaint narrative:
Equifax and XXXX have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: OK

Complaint narrative:
XXXX IS TRYING TO COLLECT A DEPT FOR XXXX XXXX  THAT IS NOT OWED. I HAVE N'T HAD SERVICE WITH XXXX FOR TWO YEARS AND ACCOUNT WAS PAID IN FULL AT TIME OF DISCONNECT. THEY HAVE REFUSED OR ARE UNABLE TO PRODUCE ANYTHING SHOWING WHY DEBT IS OWED, BUT THEY ARE STILL TRYING TO COLLECT. 

I KNOW THIS DEBT IS NOT OWED AND HAVE MADE SIX PHONE CALLS TO XXXX TRYING TO RESOLVE IT, IT APPEARS IT 'S AN ERROR IN THEIR SYSTEM AND WHEN I TALKED TO THE PEOPLE AT XXXX AS THEIR CUSTOMER SERVICE REPS WOULD SEE THE ERROR THEY WOULD PASS ME OFF ( THEY DID N'T KNOW HOW, COULDN't OR WOULD N'T FIX THE PROBLEM ) NOW IT 'S IN COLLECTIONS AND IT 'S BEING PERSUED AND IT 'S UNACCEPTABLE. 

REF XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX FAX ( XXXX ) 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 2017-11-29 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: TX

Complaint narrative:
Experian continues to report on my credit file that I have lived in Oklahoma. I have never lived in that XXXX state!

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 2017-11-29 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: PA

Complaint narrative:
Update for : XXXX. 

Received a final reminder before my access expires. As previously stated in XXXX I do not have access to my Equifax credit-report. Therefore, keep this and all accesses available to me so I can view after this problem has been resolved. 

Attachments : 1 ) Equifax reminder email 2 ) Screen-print of the Equifax website error-message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: NC

Complaint narrative:
XXXX and transunion have both agreed to remove 5 inquiries off of my report due to fraud activity after multiple conversations and multiple disputes which were supposed to be actual removers. I 've given them all information needed and also followed their removal process contacting the other companies. I sit on hold for over a hour each time I call, I 'm not sure if they are just telling me they are going to remove them just to get me off the phone quickly or what, but it has been multiple times they have told me these items will be removed and still no result. I put a freeze/ fraud alert on my account and everything. They told me they would be removed but still no results at all. The inquiries were : XXXX XXXX twice on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX. These inquiries were not authorized by me.

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 2017-11-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Bank of America, filed a XXXX remark notating that " suspected fraud ''. Bank of America 's loss prevention department operates with opacity and without proper regulatory oversight or third party checks or balances. As an ivy league graduate, I am appalled by the lack of oversight that has led to no form of resolution nor any form of discussion between me and the executive office to resolve this erroneous reporting. While, such errors may occur, and is understandable with the large scope of accounts and customers serviced, it is disappointing to think that many customers whose reports may be erroneously marked, may not have the proper guidance or knowledge to reach out the appropriate regulatory bodies. 

This is wholly inaccurate, and along with this report, other fiduciary agencies will be alerted, and litigation pursued to remedy this inaccurate notation. 

This is a complaint in regards to the inaccurate reporting to a credit reporting agency, as defined by FRCA, and the request for validation of this information. 

Requests to reach the Executive Office have not been granted. Damages will be pursued, if this matter is not remedied prior to litigation. 

Best Regards, XXXX 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 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My account was closed on XXXX XXXX, 2017. Ive never had a NSF withdrawal and have always had funds direct deposited into my account for years. There is no logical reason other then a computer glitch to have my account closed, but no one at Chase was willing to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc.
State: VA

Complaint narrative:
I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 
I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, Chase closed all my credit cards which have a XXXX balance on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Equitable Acceptance Corp
State: NC

Complaint narrative:
XXXX XXXX who is a 3rd party to help consolidate loans have Equitable Acceptance constantly contacting me after I 've cancelled everything with them. They talked me into consolidating my student loans with them and got all my information, social, adress, banking, Financial Aid information, etc. Once i found out i could consolidate my loans for FREE on my own I immediately contacted them within 3days to cancel my agreement. The lady i spoke with had a nasty attitude about me cancelling and told me everything would be taken care of, there was nothing more i needed to do and i would receive my XXXX deposit back which i NEVER received. My credit was ran unknowingly and they also added an revolving credit account on my credit file which later turned into a charge account. I did n't want these things at all. I never received my deposit back for services. They also keep contacting me when I 've told them over and over im no longer interested. The company have accessed my file with XXXX WITHOUT my permission multiple times, changing my usernames etc which is UNACCEPTABLE. i have reported them to my bank so they are n't able to have access to my account and I 've also added an additional password to my XXXX account which is who my loans are consolidated through. XXXX XXXX and Equitable Acceptance are companies who get over on many college grads as I 've read. I receive emails saying i will no longer be eligible for student loan forgiveness, etc which I confirmed was not true at all. They call from different numbers, constantly send emails, and im not sure why when i cancelled everything with the company. The account is on both credit reports XXXX and XXXX. The date opened stated XX/XX/2017 in the amount of XXXX which is now XXXX. They are constantly reporting on my credit. I have submitted disputes over and over but nothing is being done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I am based in the XXXX and have a coinbase account. They had no issue taking my money but since I have sold my bitcoin the service of withdrawing the money is non existant. The some of XXXX is still in my coinbase account and it will not let me click on my saved account to withdraw the money. I have tried contacting via email and twitter with zero response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: VA

Complaint narrative:
I recently refinanced my student loans from the loan servicer, XXXX to a student loan refinancing company called XXXX. There was a credit in the amount of {$780.00}. This amount has not been applied to my balance with XXXX or me directly. I contacted both companies, XXXX and XXXX. I am not to obtain a status on the balance. 

I am also accruing interest against higher balance than I should. I am requesting the assistance of the Consumer Financial Protection Bureau to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Intercoastal Mortgage LLC
State: VA

Complaint narrative:
Good morning, Last month, I applied and received a mortgage from XXXX XXXX. Prior to apply, I asked Mr. XXXX XXXX over email, if XXXX XXXX sold mortgages to XXXX XXXX, XXXX XXXX or XXXX and he said no. I explained to Mr. XXXX that I do not wish to deal with this group based upon past performance and harassment from members of this group. I told Mr. XXXX that if they conducted business with this group, I would have to decline the mortgage. Mr. XXXX lied about his association with XXXX XXXX XXXX XXXX aka XXXX XXXX. This group steals from Veterans and falsifies credit reports. 

Today, I received a call from XXXX XXXX stating that my loan was transferred to XXXX XXXX and I discontinued the called. I am requesting a reversal of this transfer. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: MD

Complaint narrative:
I checked my credit report and saw that there was inquiries that were not authorized an I called to get them removed and was told I could n't. I informed them that I was a victim of their inquiry issue and they still said no.

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC
State: IN

Complaint narrative:
In XXXX of 2017 Pacific Union Financial spoke with a party who was not on my loan. They gave loan information and attempted to secure a loan for the person NOT on the current mortgage. I received a quick claim deed via overnight mail for me to sign in order for the home to be deeded in the other person 's name so they could secure the loan. At NO TIME did Pacific Financial attempt to contact me for permission or verification. The first contact I had from them was the quick claim deed. Obviously I did not sign the quick claim deed. Had I signed the quick claim deed the property would 've legally belonged to the other party with me still being responsible for the mortgage. Had the other party not been able to secure the loan I would be financially responsible for a home I had no legal rights to. 
I have since decided to sell my home and am in the process of doing so. I have repeatedly asked for my payoff documents. They have assured me they would be sent by close of day on multiple occasions. They have not sent them. They spoke with the title company who also requested the documents and assured them they would be sent. They were never sent. I then requested to speak with a supervisor I was told there was n't one available. I advised them I was going to file a complaint. After that phone call the title company again tried to get the documents at which time they advised them they could not talk to them because there was not an authorization on file. Interesting that they had NO problem disclosing my Mortgage information to anyone prior to me stating I was going to file a complaint. 
My mortgage was in good standing, I have NEVER missed a payment nor have I ever been late. 

I have email documents showing communication, as well as the quick claim deed that was sent. I am unable to send them from my phone ; however I can provide them when requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXXEquifax A XX/XX/XXXX {$15000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF {$0.00} THIS ACCT. WAS NOT A CHARGE-OFF, THIS ACCT. WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY IN XX/XX/XXXX. PLEASE CORRECT ACCORDINGLY ... THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
1 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$18000.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF 2 ) XXXX XXXX XXXX XXXXEquifax XXXX XX/XX/XXXX {$2900.00} {$0.00} {$0.00} XX/XX/XXXX CHARGE-OFF THE 2 AFOREMENTIONED ACCTS. WERE NOT CHARGE-OFFS. BOTH ACCTS. WERE DISCHARGED IN CHAPTER XXXX BANKRUPTCY XX/XX/XXXX. PLEASE ADJUST RECORDS ACCORDINGLY ... .THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: McCarthy, Burgess & Wolff, Inc.
State: PA

Complaint narrative:
I owe a debt that they repeatedly call about and tell them to stop calling!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: NY

Complaint narrative:
I have XXXX hard inquiries on my Transunion credit report that I did not authorize. First from XXXX on XX/XX/XXXX. The second from XXXX on XX/XX/XXXX. Third from XXXX on XX/XX/XXXX. The fourth is also from XXXX on the date of XX/XX/XXXX. I did not authorize these inquiries and do not know what they would be for. I have sent letters to these companies to get them removed but have gotten no response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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:
Hi, I recently wire transferred {$17000.00} to my CoinBase account. This wire took place on the XX/XX/2017. Since then my account has been locked, and CoinBase is  unable to verify my address linked to my account. Without proper verification and completion of the ID quiz, I am unable to buy, sell, or withdraw any money from the platform. I have called multiple times and have been told that " a specialist is working to verify my account '', however it has been a week and the problem is yet to be solved. My money is locked in a limited CoinBase account and can not be withdrew from the platform. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: GA

Complaint narrative:
According to XXXX, Equifax and XXXX my report publish information should be removed. Inquiries on my Equifax report by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX these inquiries were not authorized by me. A  collection from a phone company I never had. The collection account is reporting on all three credit reports : XXXX XXXX for XXXX I constantly dispute it will come off, then return back. Again these actions were not my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: DC

Complaint narrative:
On XX/XX/XXXX I was reviewing my federal student loans, which are held by XXXX XXXX XXXX XXXX. I noticed that my interest rates had all increased - for instance, for my Direct Grad PLUS loan, my interest rates of 6.96 % had changed to 7.2 %. For my FFEL unsubsidized loan the interest rate had increased from 6.55 % to 6.96 % For my FFEL subsidized loan the interest rate increased from 5.35 to 5.59 %. The same can be said of my Direct loans, of which there are 10 tranches ( but I would be happy to outline the interest rates  and increases if needed ). 

On the same day, XX/XX/XXXX, I contacted my loan provider Great Lakes. I expressed my concern to the representative that my interest rates had increased at some point before XX/XX/XXXX and the last time I had checked my account, at the beginning of XX/XX/XXXX. The representative insisted that my loans were at a fixed-rate interest rate. I agreed, and said that the interest rates had increased regardless. She insisted this was not correct, but agreed to email me a copy of my original MPNs to indicate that the rates had not changed. 

After a day I had not received my MPNs from the loan provider. I found the MPNs myself through studentloans.gov and confirmed that the interest rates were what I had them documented as, instead of what Great Lakes was claiming them to be. I was going to call Great Lakes again, but I noticed online that the rates had been changed back to what they originally were supposed to be. 

I feel that Great Lakes is therefore exercising these practices with other people, who may not notice that their interest rates have increased. I 'm also fearful that they will try to increase the rates again, even though the loans are fixed-rate loans.

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