vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I previously disputed an account on my credit report with XXXX for XXXX XXXX XXXX. This is a paid collection, however XXXX XXXX XXXX is not a Licensed collection agency in the State of North Carolina. Therefore its against regulations for XXXX XXXX XXXX to continue to report negative information on my reports. When I attempted to disputed this on my credit report XX/XX/XXXX with XXXX, they denied my request on XX/XX/XXXX leaving the paid collection on my reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
I sent digital currency from one echange to another with the wrong address receiving end.

Sent Bitcoin to a bitcoin cash address from one echange to another. XX/XX/2018. I asked them to help recover those funds and they replied that they are to busy and dont have the resources for that. That your XXXX dollars are lost. I wrote back begging them to help and that i needed the money badly. They said they might get to it but can t guarantee that it will be any time soon. Very vague anwser. Pretty much they dont have customer service but an anwsering service.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a request for validation and dispute to XXXX XXXX XXXX a collection agency via certified US mail that XXXX didnt respond to. I also submitted a dispute to all 3 credit reporting agencies requesting the validity of the account on my credit report. XXXX   and XXXX immediately deleted the account as it could not be verified, yet Equifax continues to report this inaccurate information, stating that the account information was verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gold Star Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX  central time, a creditor called a coworker at work to ask her if she wanted to renew an installment loan. She said no and then the creditor asked her if I worked there. By coincidence, this coworker and I both have accounts with this creditor. This coworker does not know me well and didnt not remember my full name and she said that the creditor asked if she can really a message to me. My coworker said no and regardless, the creditor told her to tell me to call them as soon as possible to make payment on a past due account. Coworker told me later on what happened on the call. I was disturbed that they are revealing my debt info to coworkers and supervisors. Its so stressing and theyre making me look bad in front of my coworkers and supervisors. I really hope the CFPB could look into this and these abusive debt collection practices these personal loan and payday loan companies do and the criminal interest rates they charge. I lose sleep at night due to these companies and their predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Santander marked XX/XX/XXXX on my XXXX report. I tried to contact Santander directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact  Santander. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It Concerns : On XX/XX/XXXX, I attempted to purchase 2 airplane tickets via XXXX for {$410.00}. 

I changed my mind on the {$410.00} ticket purchase and processed a cancellation order on XX/XX/XXXX. 

The Flight Cancellation was accepted by XXXX on XX/XX/XXXX and XXXX promised to credit my account for the {$410.00}. 

Several months later after not receiving credit I called XXXX and they stated to me that my cancellation was not submitted. They asked that I provide proof of the cancellation. I had difficulty finding the " cancellation '' receipt. 

I contacted XXXX XXXX in XX/XX/XXXX and asked that they intercede. They gave me a temporary {$410.00} credit but reversed the credit on XX/XX/XXXX when I had not supplied the written documentation they requested. I subsequently found the XXXX cancellation receipt around XX/XX/XXXX and presented it to XXXX XXXX and XXXX for my {$410.00} credit. 

XXXX XXXX has not credited me the {$410.00} because they are still waiting on a response from XXXX. 

I am asking for whatever assistance you can provide to expedite the return of my {$410.00}.

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 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I disputed a debt on my credit report on XX/XX/XXXX from receivable Performance. I asked the company to provide me with a validation of the debt, I also told them that this account is not mine. I send them a letter certified. which was received and signed on XX/XX/XXXX by XXXX. As of today XX/XX/XXXX I have not received anything from this company and they are still reporting this debt as mine on my credit report. Im attaching a copy of the letter and the certificate of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was contacted by Navient and told that a private loan held by them would enter into default if I did not make a payment. A payment arrangement was made for XX/XX/XXXX. On XX/XX/XXXX, I received a letter claiming that this loan was in default. After calling to discuss it, I was told that they had never received any payment and that my loan could not be removed from a defaulted state. After checking recent bank records, I saw no evidence of any attempt to collect the payment as arranged. This is counter to the agreement made with Navient 's customer service and when this was mentioned, my complaint was dismissed with a statement that it " did not go through '' and the agent I spoke with ( " XXXX XXXX, '' likely a pseudonym ) attempted to pressure me into making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, my wife and I was told by my account manager at XXXX  XXXX that due to Hurricane Irma which affected our home in XXXX Florida, we /I would be eligible for a 90 Days Forbearance so that we/I may repair our home damaged by Hurricane Irma and at the end of 90 day Forbearance that I may request another 90 days Forbearance period and it would be put on the end of the loan. Over the past 5 months we were also told that we did not have to apply for a modification and there is no needed for a modification since the bank would automatically place any missing payments on the backend of the mortgage loan and the loan would be extended automaically. 

Today our roof is still not fixed and some repairs were made and we are also l awaiting resolution with our public adjuster estimated lost of {$160000.00}. which has been submitted to the home insurance company for a new roof. 

Since XX/XX/XXXX when trying to make payment arrangements we are told that any months behind during forbearance will be put on the end of the loan and we can extend the forbearance again to XX/XX/XXXX. 

We are told again that we would have to wait until the forbearance is finished before any payments arrangements could be made. 

As of today my wife wante to make payment arrangements to pay regular payment plus additional funds o XXXX starting XX/XX/XXXX however again my wife is told that the bank could not accept payment arrangements without modification application. So we have completed application for modification and payment arrangements. As of today we are also that the Mortgage would no longer be serviced by Bank of America and it will now be serviced by XXXX XXXX  as of XX/XX/XXXX and this was requested by XXXX XXXX XXXX XXXX The Investor request. 

As of XX/XX/XXXX to date since we are consistently being mislead we are asking for CFBP to help us to come to a resolution for Bank of America to accept payment arrangements so we could bring our mortgage payments current and not be transferred to 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 2018-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
In XX/XX/XXXX I purchased my home with an 80 % loan to value HELOC from Washington Mutual. In XX/XX/XXXX I REFINANCED that HELOC with a new 80 % loan to value HELOC from Washington Mutual. The original purchase HELOC was never RECONVEYED after being paid off and closed. It still shows as a lien on my home. Chase has attempted to foreclose on a lien that should have been RECONVEYED, but was never RECONVEYED. Chase says my home is overencumbered by over {$100000.00}. My refinance loan in XX/XX/XXXX was an 80 % loan to value loan. There should be no possibility of my home being overencumbered.

I quit paying on my HELOC in XX/XX/XXXX, when I realized Chase had a fraudulent lien on my home. I attempted to have them remove it. They would not resolve the issue. I hired an attorneys office in XX/XX/XXXXto attempt to do a short sale on the home because I can not afford a home that is overencumbered by {$100000.00}. I had three different offers on the home between XX/XX/XXXX, and XX/XX/XXXX at the appraised price of {$320000.00}. Chase never agreed to do a short sale. OnXX/XX/XXXX, Chase canceled my short sale, and applied a credit of XXXX to the actual loan that should exist on my home. They sent me a letter saying my short sale was canceled because I had ( approximately {$100000.00} ) equity in my home, and a short sale was not necessary. Meanwhile the fraudulent lien was to be auctioned on the courthouse steps a few days later in foreclosure. On XX/XX/XXXX, After I was credited {$210000.00}, and told by Chase that I had equity in my home, I paid Chase {$13000.00} to bring the loan current that was headed to the courthouse steps in foreclosure. On XX/XX/XXXX, Chase charged my account {$210000.00}, bringing the entire situation back to square one. I paid them {$13000.00} in good faith that the situation had been resolved. After I gave them the money, they defaulted on the promise they had made to me by crediting my account {$210000.00} and telling me I had equity in my home. Chase is holding me and my house hostage with a fraudulent lien, that they promised to fix and then reneged after I paid them {$13000.00} in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Experian. I recently reviewed my credit report, and I noticed some inaccurate information. I made Experian aware of the inaccurate information on XX/XX/XXXX (  FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. Experian did not send me any response within the 30 time period per the FCRA. 
I sent a follow up letter to Experian on XX/XX/XXXX ( FORM D ) disputing more inaccurate accounts on my credit report. Experian received this letter on XX/XX/XXXX ( FORM E and F ). In this letter, I also mentioned the original letter I sent on XX/XX/XXXX that I had not received a response for. 
Experian responded with a letter ( FORM G ) that stated one account had been deleted and other accounts were updated, pending, and/or verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. They also exceeded the time frame of 30 days to respond according to the FCRA. 
Experian sent me another letter ( FORM H ) that reflected more results. The two accounts that I originally disputed back on XX/XX/XXXX were listed as verified/remains, and another account showed as pending. 
Experian never responded to my original letter within 30 days. They also have failed to provide me with the requested documents from my file they used to validate any accounts. Experian still never sent me proof of such validation or any of physical documents in my file that I had requested. 
Experian is violating my rights as a consumer and these accounts must now be deleted. 

Thank you for all of your help, 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 2018-03-13 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: MS

Complaint narrative:
The State of Alabama HR has falsely reported the payment history, balance and subjected payment amount of my child support incorrectly to Equifax and XXXX. I have tried on numerous occasions to have this account removed due to it's wrong reporting. The account continues to come back as a verified account, however I have proof that the information being reported is incorrect. The arrears is incorrect and the amount is still accumulating even though I'm paying every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: TX

Complaint narrative:
My wife was contacted by XXXX XXXX XXXX XXXX   ( XXXX ) concerning an unpaid toll violation in the state of Pennsylvania in my name. She was harassed by a series of questions over the telephone and eventually took their number so that I could return the phone call. Upon contacting the company, I was able obtain enough information that I could identify that the license plate and XXXX  that were involved do not belong to me. Understanding that I need proof, I contacted the Pennsylvania XXXX  Toll Violation department and learned that the correct individual who this charge is meant for shares my first and last names, but has the middle name " XXXX  '', while my mine is " XXXX ''. Based on their close proximity on a keyboard, its clear that someone mistakenly typed " S '' instead of " A ''. I called XXXX  back to give them the good news and let them know that a quick call of the Pennsylvania XXXX  Toll Violation department will help them clear up this once and for all. However, I was told that I need to submit a written dispute and also that I must take several steps to clear this charge from my name. I even have to incur charges to mail a letter certified requesting a validation notice. XXXX has impinged my personal time, my wife 's time, and now is forcing me to spend money associated with charges that do not belong to me. I intend to seek damages from XXXX associated from this loss of time, money spent, harassment of my wife, and for a finder 's fee for finding the correct debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TRANSUNION HAD A SERVER ERROR SYSTEM GLITCH WHICH STARTED IN XX/XX/XXXX, WHICH DELETED A TON OF INQUIRIES FROM CONSUMER CREDIT REPORTS ( WHICH REP DID VERIFY INCLUDED MY CREDIT FILE ). I CONTACTED TRANSUNION SEVERAL TIMES AND NOT GETTING ANY FURTHER WITH TRANSUNION DELETING THE ACCOUNTS ASSOCIATED WITH THE " INQUIRY ISSUE '' AND NUMEROUS CUSTOMER SERVICE REPS REFUSING TO TAKE CARE OF THIS ISSUE. ALSO I HAVE MADE TRANSUNION AWARE OF SOME UNAUTHORIZED CREDIT INQUIRIES THAT I HAVE NOTICED ON MY CREDIT FILE, THAT I HAVE MADE TRANSUNION AWARE OF AND I HAVE CONTACTED EACH CREDITOR AND RECEIVED DOCUMENTATION WHICH WAS SUBMITTED TO TRANSUNION VIA FAX AND A LETTER OF AUTHORIZATION SIGNED BY ME WITH THE APPROVAL TO DELETE THESE SEE LISTED BELOW : XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX   XXXX  UNAUTHORIZED INQUIRY XX/XX/XXXX XXXX UNAUTHORIZED INQUIRY 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 2018-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Strategic Alliances, Inc.
State: NY

Complaint narrative:
The original credited was XXXX for which I received the information that it was sold to another collection agency I been fighting this case for almost a year. I have been sued and my wages are being garnish and all I want is proof that I actually owe this money. I haven't been serve correctly I havent beeen inform of my right or no one is giving an explanation other than you owe the money.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX marked XX/XX/XXXX on my Transunion report. I tried to contact XXXX directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact XXXX. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX

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