vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 2017-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resources Management XXXX. XXXX XXXX XXXX MI XXXX XXXX XXXX, XXXX. {$2700.00} XXXX XXXX I disputed this with the credit beaurea as the amount of money that is listed is not owed. I cancelled my XXXX as they were grossly over charging me monthly not according to the monthly agreement. I requested proof showing how and why this was owed from XXXX but never received anything. Now it has been listed with a collection agency and is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: NY

Complaint narrative:
The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX/XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.

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 2017-11-22 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: NY

Complaint narrative:
The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the US XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.

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 2017-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Bank transfer sent by SEPA payment to Coinbase on XXXX XXXX 2017, my account has still not been credited

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: ME

Complaint narrative:
The company, LoanDepot, promised me {$3000.00} in cash back. That cash back was vastly reduced. The loan officer I spoke with said that they were breaking the law to offer me that money. I want to know if their refinance of my mortgage was illegal and if they owe me any money or damages. 

I am a 100 % service XXXX Veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I signed up for a special 12 month no interest balance transfer program from Capital One. I transferred a balance of {$8000.00} from a XXXX credit card as of XXXX XXXX, 2017. I see that I was charged {$51.00} in interest which violated the promotion that I signed up for. I called Capital One and spoke to several representatives. They stated that they will credit {$51.00} as a one time credit and that my case is being investigated. One of the representatives stated that this was a glitch. This is unfair since it violates the agreement that I thought I had by signing up for this 12 month no interest balance transfer promotion from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XX/XX/XXXXand XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXX on my credit card accounts.

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 2017-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I never received any notification from XXXX XXXX XXXX about this debt. This debt keeps getting sold from one collection agency to another. I have disputed this debt with the three bureaus and had it removed for failure to validate because there is no contract for this debt. However, each time they sell it to another collection agency it is yet again reported to the bureaus. If there was no validation of this debt with the previous collection agency, there still isnt any with the current and it needs to be removed from all three bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I called XXXX back in XXXX and ask them to put on file not to call my job. The debt owed to them will be paid through Debt Couseling service ie XXXX XXXX XXXX XXXX. Correspondence was sent to them via mail. Theses people are relentless they have called my job everyday disclosing personal information. They have recently just yesterday XXXX/XXXX/17 @ XXXX in the morning. Told the receptionist Give me the address we are get ready to garnish her wage They have also called my friends and family and pretended to be my bank representative. I couldve filled bankruptcy but I want to pay these people. They have also reported this to the credit bureaus to hurt my credit and to black ball me. I was told by XXXX XXXX relief not to talk with them after asking them not to call my job. I trust that this issue will be handled in the appropriate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

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 2017-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stanislaus Credit Control Service, Inc.
State: CA

Complaint narrative:
XXXX paid for this debt. XXXX already resolved the issue and took it off my record but continuous to reflect in this bureau. Furthermore, account is so old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi, I opened an account with coinbase. Their online XXXX system only works if you have driving license. I do n't. One day my account gets frozen and I am being told to unfreeze it I need to verify my documents. Their system is badly built with the section where I can submit my documents does n't work if the account is frozen. 

This has been going on for 2 months now - i even called their CS but they keep telling me that specialist will call me and nothing. 

No one is responding to my emails either.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
This collection account was in error by XXXX XXXX. I am a current customer that had services removed and during this transaction, our account was canceled. It was immediately opened under another account. Of course, the remaining balance that was on the canceled account did not transfer to the new account. This was an oversight on XXXX  responsibility and created a credit hardship for myself. This was corrected and any balances were paid prior to this collection agency pursuing any bogus collections. Now this information is on all three credit bureau reports as paid but collection. I have asked that this be removed with no avail. I am requesting that this collection company be notified of this matter and the what they have done can result in further actions, especially those of the legal matter. This is clearly an erroneous act by a company that needs to be put on public watch for illegal tactics and harassment.

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 2017-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I spoke with 2 people today XXXX XXXX between XXXX and XXXX I was not receiving my low Balance alerts and due to this I incurred XXXX in overdraft fees at some point the system should just stop the transactions from going through. I understand the point of the overdraft program and having alerts when they work. All I got was parroting that there system shows the alerts went out and there is nothing that they could do otherwise. This was unethical and unfair. I wanted the fees reversed and they said they ca n't do it even as a bank error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I attempted to buy a new car from XXXX XXXX in XXXX XXXX. I took delivery of a XXXX XXXX XXXX XXXX and applied for financing of the vehicle through XXXX XXXX. On the 10th day, I was notified that there was a complication with financing and that I would have to go in to their office. I was on Holiday that day but went in as soon as I got back. When I went in, I was told that there was a problem with finances ; they had " misplaced '' my down payment and it had affected my loan. I was given the option to either pay more money or return the car and cancel the contract. I decided to return the car and cancel. The car was returned and I was given a contract cancellation form which assured that I would not be charged for anything since financing was rescinded. Unfortunately, I recieved a notification from Ally bank saying that I am signed up for an auto loan ; even though I returned the car and the financing was supposed to have not been issued. I called Ally bank XXXX XXXX to clear the issue up and was told it may take a week to clear up. I rechecked on XXXX XXXX and the account was still open ... I have attempted to work with Ally bank 's fraud department but have been unable to get further than their voicemail system.

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 2017-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: ME

Complaint narrative:
Three weeks ago I applied for a loan online. In a few minutes I received a phone call from XXXX XXXX. They told me for {$14.00} they will pull my credit reports, review my request and get back to me. I waited three days never received an e-mail or phone call so I contacted them. They said they could n't get me a loan. I asked why, and they did n't tell me just hung up.. Very non profressional. Very rude and crude. So I thought the matter was over. Now three weeks later they are charging me {$110.00} for not doing a darn thing for me. I never wanted to join and I did not enroll in any their programs. I called them and got the total run-around. They said a rep would call me back. A week later I have n't heard anything. Please get my {$110.00} refunded. They are quick to take your money but now I ca n't even talk to anyone there. Thank You XXXX XXXX last 4 of my social XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The company that called me was Ability Recovery Services. I left several messages for a supervisor to return my call. 

On XX/XX/XXXX and XX/XX/XXXX the phone # XXXX called me and they hung up when I answered the phone. On the XXXX I called the number back and they gave me my name and an address asking me to verify the information. I told them they needed to identify themselves before I gave them any information and she hung up on me. I figured it was a scam. 
On XXXX XXXX I received a call where the caller did the same thing- say my name and an address and asked me to verify that information without identifying themselves at all. When I told her I would not give her any information until I knew who she was she identified her company as a debt collection agency ( did not give the name ) - and did finally say her attempt to collect a debt disclaimer. She quickly listed 2 debts and became rude when insisting that I needed to pay them immediately. When I told her that it was the first time I had heard about these particular debts and I was not ready to pay them today she said to me " It 's not like it 's going to matter, your credit is terrible anyway if you want to know what they are check your credit report next month, '' and she hung up on me again. I called the number back immediately and asked to speak to a supervisor. I was told that a supervisor was not available, but I could leave my name and number and someone would call me back. They did not. On XXXX XXXX I called again to speak to a supervisor. The person that answered the call put me on hold and then picked up the phone again and gave the name XXXX XXXX but it was OBVIOUSLY the same person I had just spoken to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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:
I have been back and forth with Transunion not reporting my true accurate credit report by continuing to report unauthorized inquiries on my credit file. This has been causing me stress and anxiety for several months. I have contacted the company regarding these unauthorized inquiries and have not heard back from them. Transunion is obviously refusing to help correct this problem. When I was first made aware of this issue I immediately had a fraud alert placed on my file but obviously this does not help either. The following unauthorized inquiries being reported are : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX  XX/XX/XXXX. Transunion is violating my rights by continuing to report these unauthorized inquiries and this is also an FCRA violation.. The only outcome is for Transunion to immediately delete these unauthorized inquiries and send me an updated corrected copy of my credit report with these deletions. Transunion is clearly not out to help the consumer. Also, I WILL NOT ACCEPT ANY OTHER RESPONSE OTHER THAN A DELETION OF THESE UNAUTHORIZED INQUIRIES. I DEMAND THAT TRANSUNION NOT BE ALLOWED TO MOCK THE CFPB 'S AUTHORITY AND VICTIMIZE ME BY IGNORING MY RIGHTS.

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 2017-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane Irma.  However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: GA

Complaint narrative:
I have been going back and fourth with this company about this alleged medical debt for years. I never once received anything in the mail, I wasnt even notified of this until I checked my credit report. I have disputed it many times and still not received validation of the debt. On XXXX XXXX2017, I mailed a debt validation letter via certified mail with return receipt and its been 35 days, still no response. At this point, it seems like I may need to take legal action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please Be Advised I am writing to report that Experian is falsely reporting a public record on my credit report and I have written to this company via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still the account remains. I have also advised them to please send me copies of the documents that they have in their files used to verify the accuracy of the account. I have n't received any verification and via the telephone call that I made to their company and agent by the name of XXXX advised me that XXXX XXXX is the ( third party agency ) that provided them this public record. On XX/XX/XXXX I sent via certified mail a letter to XXXX XXXX to dispute this record. On XX/XX/XXXX I received written documentation that an investigation has been done and in conclusion this record was removed. On XX/XX/XXXXI sent the supporting documents to Experian and they still have n't complied. I have spoken with XXXX and XXXX on XXXX, I have spoken with XXXX on XXXX who advised me that she would resend the dispute over to compliance for review and I would receive a call within 48 hours business hours and still have n't heard from Experian. I also took the liberty of contacting XXXX XXXX on XX/XX/XXXX and spoke with a Manager by the name of XXXX at XXXX XXXX and she advised me that this item was removed off my records Experian she be following suite and updating appropriately.

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