vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
RE-INVESTIGATION OF CHAPTER  XXXX  FILED IN   XXXX      XXXX   XXXX   DISTRICT COURT AND ANY ACCOUNTS ATTACHED TO THIS CHAPTER  XXXX . SOMEONE STOLE MY IDENTITY AND OPEN UP ACCOUNTS IN MY NAME AS WELL AS A CHAPTER   XXXX   BANKRUPTCY THAT WAS FILED ONLINE ( PRO-SE ) I DID BETTER INVESTIGATION THAN THE CREDIT BUREAUS AND FOUND OUT THIS CHAPTER  XXXX  ( FRAUD ) WAS FILED 1. ) ONLINE 2. PRO-SE ( NO ATTORNEY ) 3.   XXXX   XXXX   NEVADA ( I NEVER LIVED IN NEVADA ) 4. THESE ARE THE ACCOUNTS THAT WAS ATTACHED TO THE CHAPTER  XXXX  IN   XXXX   XXXX   DISTRICT COURT.
  XXXX   XXXX     XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   I RESEARCHED EACH AND EVERY ACCOUNT BY CONTACTING THESE CREDITORERS ALL EVIDENCE AND INFORAMTION CAME BACK TO SEVERAL   XXXX   XXXX   NEVADA ADDRESS.
  XXXX   XXXX   XXXX   XXXX      XXXX   XXXX    XXXX    XXXX   XXXX     XXXX   XXXX      XXXX   XXXX   XXXX     XXXX   XXXX   NEVADA   XXXX      XXXX   XXXX     XXXX   XXXX   NEVADA THE MERCHANDISE THAT WAS RECEIVED FROM   XXXX   XXXX   WAS SHIPPED TO   XXXX   XXXX    NEVADA AND ALSO SAME WITH   XXXX   XXXX  .
THE CHAPTER   XXXX   XXXX   NOT MINE AS WELL WHICH WAS FILED ONLINE IN   XXXX   XXXX    NEVADA DISTRICT COURT AND ALSO THERE WAS A VEHICLE INVOLVED. I HAVE PROVEN TO THE BUREAUS THAT THIS WASNT ME. I PROVIDED THE FOLLOWING TO EACH CREDIT BUREAU.
1. 17 YEARS WORTH OF ALABAMA ID ISSUED DRIVERS LICENSE 2. ALABAMA STATE TAX RETURNS 3. RENTAL LEASES FROM  XXXX - XXXX   XXXX  IS THE ONLY BUREAU THAT HAS REMOVED ALL THESE ACCOUNTS AS WELL AS THE CHAPTER   XXXX    FROM MY CREDIT FILE. I HAVE FILED POLICE REPORT IN MY CITY AND SURROUNDING CITY DUE TO THE FRAUD ACTIVITY ON MY CREDIT REPORT. THIS IS IDENTIY THEFT IN A STATE WHER EI NEVER EVEN VISIT. PLEASE RE INVESTIGATE AND REMOVE FROM MY CREDIT FILE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
While I was living in  XXXX  with my family  serving as    XXXX   someone opened a   XXXX   XXXX   account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from   XXXX   XXXX   saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had.  XXXX    XXXX   would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weinberg Mediation Group LLC
State: CA

Complaint narrative:
Recevied a call from someone at the Weinberger Mediation Group, told to call back at (   XXXX   )  XXXX , threatened me by saying this was their last attempt and my lawyer needs to get ahold of them before they serve me and press charges. I have no clue what this is pertaining to, im sure its a scam and they need to cease and desist all contact with me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Quality Loan Service Corporation
State: CA

Complaint narrative:
loan originator   XXXX   XXXX   XXXX   no longer in business. there was two closings and the second closing i was not there. the 1-4 rider documents were forged of my name and initials. also the loan was usury over legal limit..It was approx 9.99 %. they went to fed window took my treasury account ssi number All CAP NAME and routing and loaned me back my money and charged unlawful interest unbeknown they went out of Business the following year.   XXXX   is back on Title and are not in Business since 2007. I have a claim in, I am the title holder real owner and no contract with anyone it is all VOID from the Start, and I am the beneficiary. I have warrants into President Trump,   XXXX   XXXX   (  XXXX  ) accountability office,   XXXX   XXXX  , and U.S. Supreme court Defaulted bill for damages, crimes for CEO 's etc. and money 's used of my Private Trust Account. Next they will go to the FDIC etc.. I have notified   XXXX   for payoff that I do not owe today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
I was informed by   XXXX   XXXX   XXXX   that my alleged account with them was sold to Crown Asset Management even though   XXXX   XXXX   XXXX   claim against was dismissed in court. I have called and left several voice mails with Crown Asset Management to discuss this matter and no one answers the phone or returns my calls. Crown Asset Management does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by Crown Asset Management to be ceased immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I cancelled this application last week because the company representative lied t us about the details and I cancelled the application. I tried to call   XXXX   XXXX   as well as Village Capital & Investments contacts that the   XXXX   XXXX   Area supervisor provided me, but they have not returned my calls.
Today I received a Closing Disclosure package from Village Capital & Investment, and I clearly cancelled all activities with this company. I believe that Village Capital & Investment has a checkered reputation and their refusal to acknowledge that I cancelled the deal is further indication to me that I was correct in refusing to deal with this organization, and cancelled the deal. I spoke with both   XXXX   XXXX   and   XXXX   XXXX   cancelling this contract.
The Loan Originator is  XXXX  (  XXXX  )  XXXX  MMLS  XXXX . Phone  XXXX  Loan Officer & Georgia Manager is   XXXX   XXXX   Phone  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: Nelnet, Inc.
State: FL

Complaint narrative:
I PULLED MY CREDIT BUREAUS REPORT AND SEE FRAUDULENT ACTIVITY ON MY CREDIT REPORT INFORMATION IS INCORRECT. THE INFORMATION ON ALL CREDIT BREAUS DOES NOT BELONGS TO ME. ACCOUNT SHOWS FOR A   XXXX   XXXX  . MY NAME IS   XXXX   XXXX  L. THE NAME/INFORMATION ON CREDIT REPORT SHOWING AN "   XXXX   XXXX   '' ..
I SENT OVER THE POLICE REPORT AND A SIGN AFFIDAVIT FROM THE IRS RECOGNIZING THAT I AM A VICTIM OF IDENTY THEFT TO " ALL '' THE CREDIT BREAUS. FOR MANY YEARS AND AS OF RECENT, I ' HAVE BEEN DISCRIMINATED AGAINST AND JUDGE UNFAIRLY FOR SEVERAL MONTHS, YEARS NOW BECAUSE OF MY CREDIT.
I AM A VICTIM OF IDENTY FRAUD. THIS HAS HAD A HUGE EFFECT ON MY LIFE IN THE HORRIBLE WAY. IM UNABLE TO GET A JOB, GET HOUSING, MAKE PURCHASES, OBTAIN SERVICES, OBTAIN EMPLOYMENT, ECT. ALL BECAUSE OF THESE FRAUDULENT TRANSACTIONS ON MY CREDIT REPORT.
THE ONLY TRANSACTION THAT IS VALID IS FROM   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
EQUIFAX REMOVED A PAID TAX LIEN FROM MY REPORT IN  XXXX . TODAY,  XX/XX/XXXX , THE RE-INSERTED THIS SAID PAID TAX LIEN BACK ON TO MY REPORT. THIS IS IN FACT ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
While I was living in  XXXX  with my family   XXXX  as  XXXX   someone opened a Capital One account in my name. I found out from my local credit union years later. I never received any account or statements. I was out of the country. I did an ID theft affidavit, had it signed by a police officer and filed with my local police dept. I also sent all the information to   XXXX   XXXX   XXXX  . They then recently sent me three statements from Capital One saying it was my account. It lists an address in a city I 've never lived. The address is more information than I 've ever had. Capital One would n't talk to me about the account because I could n't confirm " details '' about it, yet they report it on my credit report. I ca n't possibly answer questions about an account I do n't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: AAA Collections
State: MO

Complaint narrative:
On my  XXXX  report I disputed   XXXX   XXXX   account for {$380.00}. I paid the original creditor AAA on  XX/XX/XXXX  in the amount of {$310.00}. The original creditor AAA shows my account as a   XXXX    balance. I called everyday from XX/XX/XXXX  through  XX/XX/XXXX  to check the status of getting this collection account removed. I spoke to   XXXX    who escalated my account to her supervisor to email   XXXX   XXXX    that my account balance is  XXXX .   XXXX   XXXX   claim they have n't received any notifications from AAA. I spoke to an  XXXX  supervisor  XXXX   XXXX  ext  XXXX  who claims no email has been sent and that he verified the account and the balance is still owed.  XXXX  from AAA is adamant that her supervisor sent over the email to  XXXX  and that the balance is  XXXX . This collection account was added to my   XXXX    report as of  XX/XX/XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: CA

Complaint narrative:
The Dept of Education transferred a Plus loan from   XXXX   XXXX   year  XXXX / XXXX  to Granite State Management & Resources. I did not receive a notice of transfer. I did not receive anything from Granite State in the mail either. I did receive e-mails from Granite State indicating that I should set up an account. They did not reference an account # or the Plus loan for my son. It looked like a Phishing email, frankly. Anyway, I was not worried since on the credit application we checked that it would be deferred until after Graduation. Then, out of the blue and via e-mail only, I get a notice of delinquency and a threat to trash my credit rating. Still nothing ever in regular mail. I call them to see what this is all about and they say that the loan is due now and that I am past due for 3 payments. Why did I never receive anything, via e-mail or snail mail to this effect? Well, because I have to set up an on-line account to see the payment messages. Why are you collecting on a loan that was not supposed to be due until my son graduates? We did apply for the loan at StudentLoans.gov and we did check the option of deferring until after graduation but Granite State ignores that and just states : " Oh, the deferrals do n't always work. You can go on-line to request that ''. Nice to know. So I finally go on-line and set up an account but there is no way to defer to post graduation unless you have a hardship or low income. Is this true? First I 'm hearing about it. So much for check boxes on the application. Not wanting to trash my credit rating I had to set up payments immediately, paying past due amounts and agreeing to automatic withdrawals. I still have no explanation as to why none of this was communicated properly in e-mails or snail mail nor why I ca n't defer until after graduation. And their customer service personnel on the phone are atrocious. No explanation, no help, just " that 's the way it is ''. Please, tell the Dept of Ed. to stop selling loans to these people. They do n't seem to know what they are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My mom wrote me a check from an account she had been saving for me for college. It was a CD account so when the CD closed it transferred to her account. There was a mix up and the bank closed the account and sent my mom a check. My mom did not know this when she write me the check so it ended up returned. When I found out I tried to call the bank to catch it before anything happened, but by then they had frozen my account. I called a few times to get this resolved and kept getting referred to other departments. Now today  XXXX . XXXX .2017 I went to the branch to see what can be done. They told me the account can not be reopened, however I found out that they 've flagged me as fraud. Bear in mind no one from the bank called me to let me know this is what happened even after several attempts to find out what 's going on. This is not fraud and I can not believe Bank Of America would just close my account and flag it as fraud without finding out what 's going on. I just graduated high school and heading to college, what do I know about fraud? I strongly believe Bank Of America should confirm before destroying people 's history by labelling them as fraud. This will seriously affect me at such a young age and whereas i know they have the right to close the account, they should not be allowed to just use fraud as an excuse. I have paid the balance owed and would like Bank of America to remove that red flag from my history. 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 2017-07-17 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been trying to get a payment history from Navient for about two years, with an explanation on how they came to the balance they have as it looks to be nearly 4x what I believe it to be. They refuse to provide a history of any kind or copies of the loan documents to show they are able to charge fees on the account. My loan is approximately 20 years old and I want to see what I agreed to.
I previously filed a CFPB complaint which they only provided a generic response that I would have to call them. They have never, in nearly 2 years, provided a payment history or loan documents despite numerous requests. Calling them does n't provide the payment history or the loan documents and given the conversations previously, I would prefer all communications to be in writing. I absolutely do not want them calling me.
Navient has intercepted my federal tax refund, with a pending dispute on the loan, and still I have no idea what the balance is or how they came to that number. This seems patently wrong - how can you intercept funds, without proving those funds are owed?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
PayPal is holding funds for item that I sold and wont allow me to have MY funds for 180 days. this is illegal in my home state of WV and am requesting the funds be released per law, IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
I tried to purchase XXXX BTC from coinbase I received an email stating my order was cancelled. so I withdrew money out of my bank account. coinbase still deducted the money for the purchase out of my bank account via my debit card. Which overdrew my account. I never received any Bitcoin and coinbase does not respond to my emails. My coinbase account is under the email address XXXX  At the time of purchase the amount of Bitcoin was worth {$450.00} plus they charge me a fee for loading the account when I only use them because they said by Bitcoin for free with a debit card

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion reports a status of my   XXXX   XXXX   XXXX   home equity loan account starting with  XXXX **** as " Current ; Paid or Paying as Agreed ''. This is incorrect.
The last payment on the said account was made in   XXXX   2010. The account became late in  XXXX  2010, was never again current and should be deleted as obsolete.
I disputed with TransUnion, but the account was verified as accurate.
I would like TransUnion to end reporting of obsolete information by deleting the  XXXX  account starting with  XXXX **** from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc.
State: VA

Complaint narrative:
Concerned because I just viewed my background and want to know what exactly is DOJ national   XXXX   XXXX  ? I am not in any way a  XXXX    XXXX   nor have I ever been charged or convicted of such. I would like to know why there is a level  XXXX  under this catergory?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
Around  XXXX / XX/XX/XXXX  my mortgage was sold from   XXXX   XXXX   XXXX  . to Nationstar Mortgage. The terms were to remain exactly the same. The  XX/XX/XXXX ARM has an interest rate change date of XX/XX/XXXX , resulting in a payment change for  XX/XX/XXXX . My monthly statements from Nationstar puts the new interest rate on  XX/XX/XXXX .
I spoke with a customer service rep (  XXXX  ) on XX/XX/XXXX , another rep named  XXXX  on  XX/XX/XXXX  and a customer service rep named  XXXX  on  XX/XX/XXXX . These representatives acknowledged that I was correct, that my interest rate change date is  XX/XX/XXXX and my monthly statements continue to indicate it will be  XX/XX/XXXX .
I keep receiving refinance solicitations from Nationstar multiple times per week. I have no interest in doing any such thing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I filed with Bank of America Appeals Intake, fax XXXX Re : request for reevaluation of loan # XXXX on XXXX/XXXX/17 ( despite auto update of fax date on copy of letter ).
This was consistent with the request on p. 3 of the attached letter dated XXXX/XXXX/17 ( the denial letter ). I maintain that my fax of the letter was consistent with the BOA request that I send my information by fax and my desire not to communicate with BOA over the phone since there have been numerous inconsistencies between what I have discussed and what is actually done.
Now BOA is saying they had no requirement to respond since I did n't make the phone call as specified also on p. 3. I believe this continuing the practise of BOA to despite the ruling of Case Number : XXXX Filed : XXXX/XXXX3/2017 in the US Bankruptcy court which held in Doc # XXXXthat loan request were " routinely either lost or declared incomplete or stale or in need of resubmission or denied without comprehensible explanation. ''

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