vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Contacted the company on XX/XX/2019 to pay the full balance of {$510.00} which is the documented amount. I spoke which a woman name XXXX who told me a higher balance. She typed in the information through a automated system, and tried to process the higher amount. The system clearly stated that it could not process the balance she typed in because it was over the amount. She went through the process again, and put in the correct amount an as I was keying in my expiration date she disconnected the line. She was so stupid, because I could here her movement after she disconnected the call. I called back and the second XXXX didnt even attempt to assist me. She told me who I spoke too, and immediately transferred the called back to the woman XXXX. I asked her what the issue was and why was it taking so long to process the payment. She said she didnt know what the issues was, and I asked to speak to a supervisor. Before the woman transfer the call, once again like the complete incompetent XXXX that she is forgot to put me on mute and I could hear her laughing before transferring the call. I was transferred to the floor supervisor and explain to him what happened, and he started reading the script and when I told him the situation needs to be addressed he tells me that it doesnt matter the debt still has to be paid. I want to speak to his superior and I want my account removed from this agency. If they fail to comply I will file multiple complaints and seek legal action for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On my first complaint to Synchrony Bank they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. Syncb/tjx Dc date of inquiry is XX/XX/XXXX, Syncb/qvc date of inquiry is XX/XX/XXXX and Syncb/ppmc date of inquiry XX/XX/XXXX are the three inquiries in question.

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 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
on the date of XX/XX/XXXX i received a debt from the XXXX XXXX county court created a debt to the defendant XXXX XXXX the defendant on XX/XX/XXXX attempted to have debt verification pursuant to statute 609 and USC 15 1692 ( g ) and this was on XX/XX/XXXX and made a second attempt to linebarger and did not properly this was created by judge XXXX XXXX XXXX and failed to verify the debt within 30 days this was sent through certified mail and would like to see disciplinary or removal of the derogatory debt from my name XXXX and was unverified and should be removed as the pursuant the above code

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I have a PayPal account. Every time I use my pay pal I make sure that I have enough money in my prepared payment. But couldnt understand what PayPal went into an account that wasnt a prepared payment. But they should of been any others fees as they collect the fee at the time purchase. They went into my account charging me from {$.00} to {$1.00} adding up my bank overdraft and return item fee to {$3000.00} plus dollars. I have paid into my over draft fee of {$800.00} and my bank was only willing to remove {$600.00} plus. And still owe my bank about {$1800.00} worth of fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-09 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: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: FL

Complaint narrative:
I have provided ny state higher education with proof that XXXX XXXX in XXXX NY went bankrupt. Hundred of former students of XXXX XXXX XXXX NY are eligible for part of a XXXX XXXX settlement regarding their student loan. The settlement was reached between a coalition of 13 attorney general, federal agencies and XXXX XXXX XXXX the firm handling loans for the former XXXX college which own XXXX XXXX. As part of the settlement anyone who borrowed and we're attending XXXX XXXX when it closed or defaulted will receive a discharge or 55 percent discharged. I fell under that. I contacted Borrowers defense they had me put in a application to apply for discharge until they make a decision on the application they put my loan which is in default status in forbearance status on XX/XX/2019. I'm trying to get them to change my status from delinquent to current status on my credit report since I'm in forbearance until Borrowers defense make a decision. I don't think I should be paying on a loan to a school that went bankrupt and made students promise of getting a good paying job. I couldn't even use there credit at other schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: MA

Complaint narrative:
On my first complaint to XXXX XXXX they provide a response stating that because the applications were fraudulently submitted that they would contact the credit bureau to have the inquiries removed. XXXX/XXXX XXXX date of inquiry is XX/XX/XXXX, XXXX date of inquiry is XX/XX/XXXX and XXXX date of inquiry XX/XX/XXXX are the three inquiries in question.

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 2019-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Company closed my synchrony bank sew & more account with no notice and no explanation. Account has a {$0.00} balance on it. Only found it had been closed when Iogged onto the account to check the status on it. Company closed it in XXXX of XXXX with no notice of what they did. Seems shady and suspicious to not even notify the card holder. Stay far away from any synchrony credit cards.

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 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
I never had kay jewelers. They threatened to take me to court for the debt. I told them I was in XXXX so I guess the used that against me. They say it dosent matter how many disputes you get you must pay

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
MyhusbandandIwereintheprocessofmovingtoanotherstateduetoacareerchange.IntheprocessofmovingIopenedacreditcardaccountwithCapitalOne.Thecardcameinthemailbutwasnotabletobeactivated.IcalledCapitalOneinXXXXof2018andwasadvisedthatafraudflagwasraisedontheirendduetomismatchingdataconcerningaddresses.Ithankedthemfortheirdiligenceinwatchingoutforfraudstersandletthemknowmyaddressisunique(Iamlivinginahotelwhere2ofthefloorswereconvertedintoapartments),soperhapsthiswasaddingtotheconfusion.Ialsochangedrooms/apartmentsinsidethehotelwithinthepastfewmonths.

Iwentaheadandexplainedmysituationtotheservicerepandwasaskedtosendinacopyofmysocialsecuritycard,stateIDandproofofresidencysotheycouldgettheflagremoved.Isenttheseinandwaitedforthemtocontactme.Iwaitedandwaited...andwaitedsomemore.Iwasnevercontactedbythem.Iactuallyforgotaboutituntilmyhusbandeventuallyfinishedmovingandjoinedme,approximately6monthsaftertheinitialactivationconversationhadbeenhadwithCapitalOne.

MyhusbandaskedmeaboutthecardandsoIcalledCapitalOneback.Iwasadvisedtheyhadneverreceivedmydataandremindedmeagainthatthecardwasflaggedforsuspectedfraud.IexplainedIhadfollowedthestepstheyhadlaidoutformethelasttimewespokeandexpressedmyconcernthattheyhadnotonlylostmypersonalinformation,buttheyhadnotfollowedupwithmeregardingmycard.Theydidnotapologize.

AtthispointIdecidedIwasnothappywithCapitalOne'slackofcustomerserviceandfollowthrough.Iaskedthereptoclosemyaccount.Hedeclinedandactuallystartedtogetanastyattitude.Ifeltalmostlikehedidn'tbelievemethatIwastellingthetruth.Thiswasveryunprofessional.Hetoldmehecouldn'tclosemyaccountbecauseIcouldn'tprovethatIwaswhoIsaidIwas.IremindedhimagainthatIhadsentmyproofdocumentsastheyhadrequested.BythispointIwasquitefrustratedandoptedtoendthecall.

Icalledbackafewweekslaterwithmyhusbandtotryandclosetheaccountagain.IspokewithadifferentrepwhoaskedthatIresendmydocuments.Iwentaheadandresentthem.Theyranabackgroundcheckandcontactedmymomwithoutmypermission.MymomcalledmeandtoldmethatCapitalOnecalledandassertedtheywerecallingbecausethereisfraudonmycard.

AtthispointIfeelthatCapitalOneisnotlisteningtomeandareprejudicedintheirbeliefthatIamsomehowcommittingfraud(orattemptingtocommitfraud).Mycardhasazerobalanceandisnegativelyaffectingmycredit.AtthispointIjustwanttheaccountclosed.Anyassistancewouldbeappreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: CA

Complaint narrative:
FOR THE PAST FEW MONTHS I HAVE BEEN SENDING MY IDENTITY THEFT REPORT TO EQUIFAX TO HAVE THE FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. WHAT I DON'T UNDERSTAND WHY EQUIFAX IS THE ONLY COMPANY WHO REFUSES TO REMOVE THE SAME FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. XXXX  AND XXXX XXXX WERE AVBLE TO REMOVE IT MONTHS AGO AND EQUIFAX CAN'T VARIFY THE ACCOUNT. AT THIS POINT I AM NOT REALLY SURE IF EQUIFAX IS CREATING THIS FRAUDULENT ACCOUNT ON THEIR OWN. I HAVE GIVEN THEM THE CIVIL CODES WHICH STATES THAT THE ACCOUNT NEEDS TO BE REMOVED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
After noticing the debt on my credit report, I sent a Debt validation letter to IC Systems ( XXXX XXXX XXXX )., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from the IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. 
Last year when the debt validation was requested, IC Systems ( XXXX  XXXX XXXX ) removed the debt from my report, but again recently added it.

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 2019-07-09 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: Diversified Consultants, Inc.
State: SC

Complaint narrative:
DCI- Diversified Consultants is reporting incorrectly on my credit report. I've never had XXXX. This was placed on my credit and removed, and reappeared under a different collection Agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: MS

Complaint narrative:
On XX/XX/2018, I disputed an account through XXXX XXXX from a collection agency called Pro-Collect. I have no knowledge of that account my XXXX, XXXX XXXX XXXX  credit reports. Less than a month later, XXXX XXXX notified me that the account was closed and marked as derogatory on my XXXX report but the information for the same account on my XXXX and XXXX reports are still open with negative remarks.

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 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
Modifcation errors. No one made any effort to correct the account and continues with XXXX XXXX, Executive Resolution Specialist in Customer Care and XXXX XXXX. In reference that was told by XXXX that Miscellaneous Fees assessed XX/XX/2006 of {$4700.00} was because of Wells Fargo Home Mortgage initiated foreclosure as allowed by the terms of your Note of Security Instrument on XXXX XXXX was told was due for XX/XX/2006 XXXX XXXX, XXXX payments. Payments was not even applied to account customer acct activity statement. I was told by XXXX that the foreclosure action is allowed by the mortgage documents and applicable laws. I was not informed of any fees nor any foreclosure shouldn't of taken place. I have been getting wrong information miscalculations and errors on this loan. On the U.S Department of Housing and Urban Development form doesn't have a checkmark of which type of loan this was if Conventional or FHA. I was told was XXXX XXXX Conventional loan.

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 2019-07-09 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:
All problem started when my passport and credit cards were stolen several years ago at the airport. I submitted police reports, new passport etc. to XXXX but it fell through the cracks as the specific airline went out of business and it was reported as write off of {$690.00} ( it accumulated interest ). I took XXXX to court upon returning to US and we signed an agreement that they will fix the reporting within 30 days of the agreement and it will be reported as always paid on time. I have court papers and in contact with XXXX attorney XXXX XXXX who's contact information was also submitted with the dispute. Im in touch with him as of this moment. 

I submitted disputes and court papers to all agencies and all corrected the reporting except Experian which claims they verified the information and keep reporting it negatively. How is that possible???? I just tried calling Experian, was on hold for 55 min before someone by name XXXX answered and put me on another hold which said at least 45 min wait ... I simply can't do it ... I have the actual reporting from XXXX attorney dated XX/XX/2019 XXXX submitted here ) which confirms that XXXX has been reporting everything as paid on time. I don't know what's wrong with Experian and what kind of people they hire, I only know is very frustrating, time consuming and it has to be fixed and I must be compensated for the mess they are causing. It causes me financial hardship and sucks up my time and energy. I feel like I'm banging my head against the wall. Experian practice is unprofessional, incompetent and they should be shut down.

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 2019-07-09 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
sorry maybe i am wrong dept. but my problem is that i have the american express every day use. when apply for the card i got XXXX dollars credit and then i use the card to by tires and then i got email from them my credit was low to XXXX i call them they can do that anytime.what i want to know is when you were for XXXX dollars.how can they can low your credit can you help me.if you can not help me can you try tell what dept can help with this problem. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: MD

Complaint narrative:
Transunion is reporting incorrect and damaging account info on my report. The fraudulent account : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX ; XXXX. XXXX alleges and Transunion is incorrectly reporting an account with a balance of {$690.00}, opened XX/XX/2018.

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 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
Since XX/XX/2018 I've deposited over {$2800.00} into my coinbase.com wallet. My account was locked and I was told to upload my drivers license and utility bill to confirm my identity, which I did several times. It's been almost 2 months and now the customer service phone number dont work and they don't respond to my emails. After reading 100s of  complaints against coinbase.com in the last week I feel like they are a scam ... please advice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I XXXX XXXX recently ran into a wall as far as my financial matters go. However, I am now regrouping and I noticed that a number of my creditors have claimed that they have sold my debt to a third party. In any event, I am now requesting the following from the original creditors : 1 ) The name of the debt buyer where your institution claims it sold a debt.

2 ) A copy of the actual sale agreement between the parties.

3 ) A copy of both debt collection licenses and/or debt buyer license for the Commonwealth of Massachusetts where I reside.

4 ) A reasonable offer in compromise also known as a settlement offer that can be either mailed to me or sent by email. I would like to proceed on settlement offers immediately. 
If the account is still with the original creditor, I would appreciate a settlement offer immediately, regular mail or by email. Email responses will happen immediately. 
Thank you for your professional consideration in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: AZ

Complaint narrative:
Hello, My wife and I just paid off our XXXX mortgage, we were never late or have any negative information on our credit, after we paid off XXXX loan in full and it was in good standing, XXXX closed the account with zero balance, my question is why did my wife and I credit score go down between 24-36 points. I thought that when you pay off the loan and you are in good standing your score should go up not down less debt. 
Can someone please explain to me why this is happening, reached out to XXXX they said they reported it correctly, I also reached out to Equifax they said they can't do anything. Where is the justice here for people who are hard working and pay off the debt they owe with never being late. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: MD

Complaint narrative:
XXXX  is reporting incorrect and damaging account info on my report. The fraudulent account : XXXX and XXXX, XXXX XXXX XXXX, XXXX, TN, XXXX ; XXXX. XXXX alleges and XXXX  is incorrectly reporting an account with a balance of {$690.00}, opened XX/XX/2018.

Company response to consumer: Closed with explanation