vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
I have disputed this ARS account numerous times with experian. This account have not been validated. I have sent a validation letter with the expectation and information that I requested per the validation letter which reads : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I have not received the validation information from this company and they are to remove this negative account immediately from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: CA

Complaint narrative:
XXXX, XXXX and exsperion have a negative report on my credit report which is fraudulent to XXXX XXXX XXXX colected by XXXX XXXX for {$370.00} .... not my address and my XXXX XXXX XXXX bill is up to date at my home address,,, they used my social security number to open the account affilitated group account number is 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 2017-08-17 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:
on XX/XX/XXXX complaint number XXXX with the Consumer Financial Protection Bureau, was responded by transunion. Problem was not resolved. Original claim was disputed in writing to transunion headquarters and still not resolved. These inquiries are by XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. These inquiries are unauthorized and fraudulent, I asked they be investigated and removed.

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 2017-08-17 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: PRESTIGE FINANCIAL SERVICES INC
State: TX

Complaint narrative:
Received credit reporting alerts and XXXX is displaying a 30 days late, deliquent, Missed payments account on my Prestige Financial Services vehicle loan account # XXXX. Issues was resolved with loan lender and lender stated no negative reportings. Federal Government complaints was filed against Prestige. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Purchased car XXXX XXXX, 2017. Received first statement dated XXXX XXXX from Bank of America and made payment in full. Received second statement dated XXXX XXXX with a payment due date of XXX. XXXX. The latest statement shows an amount due and shows a {$0.00} past due amount. I have received several calls a day for the past two weeks advising me the loan is delinquent. I requested a supervisor who told me the issue is that the loan was incorrectly processed and needed to be back dated. I requested a statement with the correct balance and asked that the online web site also reflect a past due if this is the case. Nothing from BOA. Received another call telling me loan is past due and will go to collections. I have requested BOA send me a correct statement and stop requesting money without putting it to paper. I also asked they stop calling me morning, afternoon, and evening. The only thing they have used to support the loan being past due is by phone. Nothing in writing or on a statement. I have attached my current statement showing {$0.00} past due. This loan was backdated and they are attempting to cover something their mistakes. I believe this is the reason they refuse to bill me on paper and only verbally request 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 monetary relief
Consumer complaint received 2017-08-17 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: CITIBANK, N.A.
State: AL

Complaint narrative:
XX/XX/XXXX late payment home Depot account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with Home Depot. You see my husband is a XXXX XXXX XXXX XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a Home Depot account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

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 2017-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
XXXX has reported on multiple Credit reports that I have an account Opened XX/XX/XXXX of {$500.00} I have not had XXXX in over 6 years! I have attempeted to contact them by mail with no responce. I have filed disputes with the CRA and have had this removed before as the Date they have posted now is different then the dates they had on it before it was removed and now they are adding it back and claiming I owe them money. They have also reported a charge of {$280.00} Claiming to be Opened XX/XX/XXXX. Which is not possible as I was not in the state at that time! I was in Ohio working for a XXXX XXXX! I have tried to solve this matter with them and they still ignore me. This is the last straw for this! If this is not removed from all agencies i will have no choice but to file a Lawsuit against Both SWC and XXXX for The damages it is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: DE

Complaint narrative:
I have attempted to Receive a forbearance on my loan because I am back in school. I have called Aes Numerous times. Each time I receive different information. I have attempted to work through email but they refuse and will only discuss details over the phone so I do not have anything in writing. I submitted requests through their online form. In the end I had to wait for a forbearance form to be mailed to my house as they would not let me receive it via email, fax, or online form. The letter never arrived so I had to request again, all the while my debt is piling up. After receiving the form, I faxed the signed portion directly to the processing center. A few weeks later I receive a physical letter notifying I have ben denied because I did not fax the entire agreement, the first page that did not require a signature was missing. At this moment I faxed the entire agreement back to aes, called customer service and waited for a response. Was told to wait. Today, XXXX XXXX I had still not heard an answer and the debt was severely damaging my credit so i called aes. Was notified they only received one page of the agreement the second time and that I was no longer eligible for a forbearance because it has been over 120 days. I have receipts of the fax and phone records as well as screenshots of my form submissions. They have been extremely difficult to work with and seem to have done everything possible to deny and progress towards delaying payments. Previously I had been making payments consistently for 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Yes Coinbase has not transferred any funds into my checking account even though it shows complete on XXXX XXXX and I have a XXXX balance on Coinbase and no funds have been put back into my checking account. It 's been over two weeks with no response even though I filed multiple cases. The amount was {$1000.00} and I have contacted my bank and nothing has come in even though Coinbase did a wire transfer to verify my bank account. They took my money asap but will not replace it. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: AL

Complaint narrative:
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to  fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

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 2017-08-17 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: AL

Complaint narrative:
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from severe XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate

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 2017-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: MI

Complaint narrative:
Put offer in on XX/XX/XXXX that was accepted. Our mortgage lender XXXX XXXX started at XXXX XXXX and switched over to capital mortgage which is where our problems began. We have sent all of our documents twice and XXXX is not helping or responding to our phone calls or our emails. And does n't work past XXXX and definitely not on weekends our close date was supposed to be XX/XX/XXXX it is now XX/XX/XXXX and they are now saying 2 weeks after our first appraisal saying we need another just today. Talked with his boss who is not helping or not concerned about how XXXX has behaved. XXXX also sent me a text message with lips after I was getting upset so he does n't need to answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I signed up for a Citibank card at Best Buy with an 18 month promotional balance ( XX/XX/XXXX ), though it is a card that can be used anywhere. I was informed that cash rewards would be credited to the account. I never received any rewards. I paid off the promotional balance ( as of XX/XX/XXXX ) and began using the credit card ( as advised in order to receive rewards ). After the 18 month promotional balance, I was charged interest as though the promotional balance had not been paid off. I contacted the company on 3 separate occasions, first to understand why I was charged such an outrageous amount of interest, then to prove to the company that I had paid the promotional balance, and lastly, to inquire about closing/freezing the account. Customer service was incredibly rude and offered no options for correcting this. They informed me that they could not see prior to the past 6 months, but then told me that the promotional balance was never paid ( seems difficult to see if they can only see the last 6 months ). I am now waiting 8-10 business days to receive all statements ( paper ) since the account was open to present back to the representative.

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 2017-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I contacted my loan servicing Specialized Loan Servicing on XX/XX/XXXX, to request the identity of the investor of my loan. We were told the request had to be in writing, and were given a fax number to submit the request to. The fax was sent at XXXX PST on XX/XX/XXXX. We were told to allow 24-48hrs for the request to be updated in their system in order to get the information. I called them on XX/XX/XXXX to follow up, and was told the information we had been given previously was incorrect and, per their policy and at the lenders request the information would not be provided for 30 BUSINESS days. According to the CFPB website : " If the request asks for the identity and address of the investor ( owner of the loan ), the servicer must provide this information to you within 10 business days of receipt of the request '' Additionally, each person we spoke with ( 3 so far in total ) are all rude, combative and obstructionary. It 's evident they have all been trained to not give any sort of help, information or guidance when it comes to information about the lenders, like it 's some big secret.

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