vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/19, I issued instructions and executed the forms necessary to facilitate a custodial transfer of XXXX XXXX Account monies ( {$5000.00} ) FROM : XXXX XXXX, XXXX XXXX XXXX, WI XXXX TO : a newly established account at a new banking institution of choice. ( XXXX ) XXXX has been very helpful in assisting me with the paperwork needed for this transfer and they have even joined with me in three way phone calls to XXXX XXXX trying to complete this process. 

As of today, ( XX/XX/19 ) my monies still have NOT been released to my new banking institution. 

I suspect deliberate delays, lies, and deceptive practices have become common business practice at this Webster Bank. 

I want my XXXX monies transferred now. 

Your attention is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Ive disputed a couple things on my credit report on XX/XX/XXXX and here it is XX/XX/XXXX and they still didnt removed it nor proved that it was mine

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 2019-03-12 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: OH

Complaint narrative:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Remex, Inc.
State: NJ

Complaint narrative:
Never received any notice that {$370.00} was owed, not a phone or notice, just got a notification that a had a bad collection on my credit XX/XX/XXXX, I have ask for validations of debt several times and I have not received anything I have even offered a pay to delete XX/XX/XXXX and it was refused. I need this off my credit or the debt needs to be validated. 

Remex XXXX XXXX XXXX, XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The credit card company admitted in writing that " the attempted authorization ( s ) have been determined not to be yours and have been declined. '' Then the account was closed. This is the same action taken by 2 other credit card issuers after extensive investigations by those issuers and by the U.S. Postal Service and the local sheriff department.Next the credit card company opened a new account in my name without my knowledge and accepted fraudulent charges. The fraudulent charges took place in XX/XX/XXXX and XX/XX/XXXX for approximately {$8800.00} and despite my attempt to discuss this matter with the credit card company, they continue to demand payment.

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 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: First Associates Loan Servicing LLC
State: WI

Complaint narrative:
Back in late fall of 2017 I had worked out a pay-off arrangement with Student CU Connect. I had 4 loans with them and paid {$6000.00} on the 1st loan. {$2100.00} on the 2nd loan. {$2500.00} on the 3rd loan, and {$11000.00} on the 4th loan. I thought it was all satisfied until a couple months I answered a call from them to find it was Student Connect 's collections department trying to get the remaining amount of each loan. After multiply calls and different individuals I finally found out that the paper work never got back to them signed. Now understand that it was electronic signature and i had thought it went through no problem, especially since they didn't hesitate to take my money in the grand total of {$22000.00}. Furthermore they told me they had the agreement in front of them as we spoke but it was not signed and they would no longer honor it. Ethically why would they not honor it??? They got their money when requested for the amount requested. Also why would it be in collections if I paid that amount. That amount I would have thought would have carried me for years anywhere. I wont even go into the interest rates that were associated with these loans. 

Unfortunately I do not have much email back up as my work computer deletes after a set amount of days and I thought these loans had be satisfied. 

One last thing this has now shown up on my Credit Report which will severely hurt my chances at future credit applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: International Computer Systems, Inc.
State: IL

Complaint narrative:
On XX/XX/2019 I contacted XXXX XXXX XXXX to discuss a utility bill I saw that they were collecting on listed on my credit report. I have never received anything in the mail in regards to this account from First Collection Services. I spoke to XXXX who was very rude, he did not read the XXXX XXXX, just said " we are discussing an account that you owe money on '', he never verified who I was just rattled off the information on the debt. I asked about settlement and he said XXXX does not do settlements, that I could offer something and they could see what the client ( XXXX ) said. He then informed me that I could go to jail if I did not take care of this debt. At that point I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ZARVAD III S.A.
State: CA

Complaint narrative:
on XX/XX/19 they called me AGAIN after being asked not to contact myself or my employer phone number. XXXX XXXX  and they called a phone number that they were never given. ( XXXX ) XXXX XXXX. I stated on the recording not to contact me at this or any other phone number for any reason at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Ive disputed a couple things on my credit report on XXXX XXXX XXXX and here it is XXXX and they still didnt removed it nor proved that it was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I told Navient I could only pay {$50.00}. I am in school and to defer and they said I had to pay and they would not take the {$50.00}. They refused it every time. I just had a XXXX and they keep calling and the are calling and being rude and childish and playing on my phone and running up my XXXX XXXX. The stated they will not stop and if this continues I will be paying Navient home office a not pleasant visit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: OH

Complaint narrative:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am  in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and DOB 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 2019-03-12 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: OH

Complaint narrative:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number SS XXXX and DOB 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 2019-03-12 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA, they told me they would not remove the inquire. This is a violation.

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 2019-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
I never ordered from XXXX  XXXX or never applied for XXXX XXXX credit or never received items from XXXX XXXX have asked for prof of items purchased from XXXX XXXX and prof the items were purchased by me they have been ask a number of times to provide this prof and have yet to do so by law they must provide this prof or delete from credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: ID

Complaint narrative:
I have 3 Devices that access coinbase. In early XXXX my " computer '' coinbase account asked me to confirm my account through an e mail link. That never arrived. Later in XXXX both my cell phone and tablet asked to verify my account through a caoinbase email. neither of those have ever come through. I did what coinbase asked, checked my spam, added them to my contact list. Nothing. I've called 9 times since XX/XX/XXXX, to no avail. customer service is a sham, all they say is we'll look into it, and send you a e mail when we fix it. The emails from customer service do arrive, so coinbase emails are getting through. Its been 2 weeks now, I can not log into coinbase, I can not see my accounts, I can not withdraw my money.

All I get form the " yes customer service people '' is their working on it. Never gets fixed, my computer has been locked out for 6 weeks.

I'm not the only one! 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: OH

Complaint narrative:
This is the third time I have complained about this account on my credit report it is not accurate and was never verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX/XXXX-XXXX # XXXX****, XXXX XXXX XXXX XXXX****, XXXX/XXXX # XXXX****, XXXX XXXX XXXX-XXXX XXXX # XXXX. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HOPE BANCORP, INC.
State: VA

Complaint narrative:
I have a checking account at Hope Bank in XXXX, Va. I can't access it online. This problem has existed for a month. I try to log on. I get the message " loading please wait while we log you in. '' Nothing happens. The bank said they know about the problem and don't know how to fix it except that I have to turn off all security features in my webbrowser. If I did this, I could access the account but then I would have to reset everything. I have had this account for years. This is not right. 
Please help. 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 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: ME

Complaint narrative:
I received a letter on XX/XX/XXXX about a debt from XXXX from the company called convergent outsourcing, Inc. Their address is PO Box XXXX, XXXX XXXX WA XXXX or XXXX XXXX XXXX XXXX. I do not have any debt from XXXX. This looks like a scam letter.

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 2019-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I have been attempting to contact XXXX regarding my federal student loans and my participation in the Public Student Loan Forgiveness Program. I made a call to XXXX on XX/XX/2019 at XXXX XXXX  and was on hold for over 40 minutes, waiting to speak to a customer service agent. At no point in this 40 minutes was I able to speak with a live representative. The automessage suggests to " call back at a later time, '' but I have also experienced excessive wait times later in the day. 

Excessive wait time to speak with a XXXX agent is effectively preventing me from being able to manage my federal student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First Associates Loan Servicing LLC
State: MN

Complaint narrative:
This company, XXXX XXXX, which one of it's services I found is debt collection, keeps contacting me. 

On the first call, they asked to speak to me by asking my specific name, and then asked the procedural identity questions such as what my Date of Birth, Home address and Last four of my social security were. They then proced to say, " they can not establish '' my identity, and to email their technical support. They also say they, '' are unable to discuss anythign further due to privacy and security concerns. '' To this statement I replied first, to send me written information to the nature of the call to my home address, and second, if they have established I am not the correct person they need to speak to, then they need to discontinue calling my number. 

They would not discuss anything further, and told me that they will keep calling until I " straigten things out with their support '' I have not, since the first phone call on the XX/XX/XXXX, received anything written from XXXX XXXX, and they continue to call me. 

They have called me on the XX/XX/XXXX, and on the 4th, 7th and XX/XX/XXXX, despite my telling them repeatedly to not call me and to send me written information as to what the call entails. They do not want to discuss the nature of the call, nor send any written information. 

I called them back, and instead of sending me to their website, XXXX, they told me to go to XXXX NOTE : I asked them for a mailing address to put into a complaint form, and they refused to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Unauthorized Inquiries.

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 2019-03-12 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I filed an ID Theft Report with the FTC on XX/XX/XXXX. I provided a copy of this report to all 3 CRAs on XX/XX/XXXX which then notified all creditors involved. 

One of the creditors was XXXX XXXX/XXXX. 

On XX/XX/XXXX, XXXX  provided me with their investigation results. I attached a copy of that report. As you can see, XXXX XXXX/XXXX was the ONLY creditor who refused to the blocking of their account. 

As I assumed this was an error, I sent XXXX a letter on XX/XX/XXXX by certified mail ( see attachment ) which was received XX/XX/XXXX, notifying them again of the ID-Theft and providing them with another copy of my Theft Report. I also notified them that I have not received any communication from them in regards to this matter. 

On XX/XX/XXXX, I received a response from XXXX ( attached ), basically stating that an ID Theft would be impossible on this account since it was opened and used be me AT SOME POINT and that they concluded their investigation and filed the dispute as complete. 

This forced me to send XXXX another certified letter on XX/XX/XXXX which was received by XXXX XX/XX/XXXX ( attached as well ). I clearly pointed out that this account was indeed opened and used by me but that the open balance was the result of ID-theft. I provided them with the same copy of the XXXX  results, a copy of a statement reflecting the last balance authorized by me and notified them when these charges were paid off. I attached the last statement reflecting authorized charges by me ( {$51.00} ).  This balance was paid off on XX/XX/XXXX. 

I requested the removal of the fraudulent account from my credit-reports within 30 days of the receiving of the letter. This deadline expired yesterday ( XX/XX/XXXX ). I also advised them that a case with the CFPB would be filed if they would not comply. 

As of today, XXXX XXXX has not provided me with any information whatsoever. As you can see, I requested detailed information about the alleged open balance, how this balance was calculated, what alleged purchases were made resulting in said balance and, most importantly, any proof of signature of me obtaining said goods. NONE of this was provided.

Company response to consumer: Closed with explanation