vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Regions person opened my checking and savings account. He opened a money market account instead of a savings account. This past year I made in interest from the money market account {$14.00} per the interest income statement and the bank the bank has charged me {$60.00} in low balance fees. I took all but {$.00} out of my account and they. charged another {$15.00} for low balance fee a negative balance of {$14.00} so they took it out of my checking account. Went to the bank and asked that they refund the {$15.00} and asked why I was charged four {$15.00} charges and was told because I had a money market account. I am XXXX for the last XXXX years trying to get XXXX social security and don't have any income, just barely get by from selling my jewelry and furnishings and then the bank steals {$60.00} from me. Have called and gone into the bank and am told oh I'm sorry let me see what I can do and I will call you in a couple of days but doesn't. I was just told by XXXX at customer service that she could transfere me to debt collections department or the loan department and I could get a loan to help me pay my bills. Told her I have not had an income since being fired in XX/XX/XXXXafter 15 years of employment for being sick and not finding a doctor that can see me on Saturday or Sunday and a hospital to do the test on Saturday or Sunday. I can't get a loan without income. I need help.

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 2018-01-26 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: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
This account was opened in XX/XX/XXXX and is still reappearing on my credit report. Please remove this Auto Loan from credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX  XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
I recieve a loan from XXXX on XXXX 
Could not understand there on line classes and dropped out the next week they did not dismiss my load until XXXX   Not i am resposable for repayng the entire course. {$7000.00} I feel i should not have to pay for this couse because i dropped out the first week. This has been a total scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently pulled my credit report and noticed that there's a collection from XXXX XXXX XXXX on my credit report. Over the past 4 months I have requested validation of this account from XXXX XXXX. As of today ; I have not received any correspondence from XXXX XXXX regarding this collection account. As per the FDCPA, I have the right to request a validation of this debt. XXXX XXXX XXXX is reporting invalidated information to the 3 major credit bureaus ; which is considered defamation of character. This negative listing on my credit credit report does not allow me to enjoy the benefits of good credit. Until XXXX XXXX validate this debt, they can not continue collection activities nor report this information on my credit report.

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 2018-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MO

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I received a calls from XXXX XXXX XXXX concerning a Medical bill. I asked them to mail me detailed outline of services rendered along with the bill and I will promptly sent them a check for the total amount. All they sent was the bill. 
On Friday XX/XX/XXXX at XXXX XXXX central time, I received a call from XXXX ( employee number XXXX ) with XXXX XXXX XXXX concerning the same matter. Once again, I asked them to send me a detailed statement of services rendered along with a bill and I will send check for full payment. She stated they sent the bill in the past. I told her I got the bill but not the detailed statement. 
She continued her attempt to make me pay by credit card or to give her my bank info for an electronic check. I stated I was not giving my personal info over the phone and that I would promptly mail a check for full payment once I received the detailed statement and the bill. She continued to harass me and threatened to report as bad credit if didn't pay with her. I Firmly asked XXXX if they are willing to take my check. She stated they ONLY take credit/debit cards and electronic check. I asked to speak with her manager and she put on hold and ultimately hung up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
Hi, On XX/XX/2018 a {$25000.00} wire was sent to Coinbase.com. The wire was rejected due to the account using my middle name, which i go by, instead of my legal first name. The wire was supposed to be reversed and received by my bank within 7 business days ( which already is a ridiculous wait period ). It has been over 7 business days already and we still have not seen anything or received any correspondence from the company.

I can provide detailed information on the wire sent to coinbase.

Amount : {$25000.00} Date : XXXX/XXXX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : XXXX   and XXXX Report Date : XX/XX/XXXXCollector : Navient Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
( XXXX ) XXXX Creditor : XXXX XXXX, Dept. of Education Account Nos. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, Navient Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations Navient is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the U.S. Department of Education, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this Navient Solutions continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with Navient their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as Paid as Agreed with no negative comments. The XXXX XXXX account numbers are Identical to the Navient Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as Navient is reporting. I have done a bit of research on Navient Solutions and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/XXXX reports from XXXX and XXXX and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the Dept. of Educations receipt of the application including the date submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: EQUIFAX, INC.
State: LA

Complaint narrative:
This account was opened in XXXX and is still reappearing on my credit report. Please remove this Auto Loan from  credit report. Thank you. 
Unfortunately, I do not have any documentation and/or billing statements and receipts at this time. 



XXXX XXXX XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeAuto Lease ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusClosed. 
Status UpdatedXX/XX/XXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms NA On Record UntilXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing in regard to the several attempts I have made to Transunion to remove the multiple inquiries that's showing on my report. I have sent certified letters ( XXXX & XXXX ) to Transunion with a copy of my ID and SS card and proof of my current residence. I advised also by phone that these are not recognizable inquiries and it is impacting my credit score. I also advised in a certified letter that there is a bankruptcy that is showing on my credit file that needs to be removed. I contacted the US bankruptcy court to ask them about a case that's showing on my Transunion and XXXX  report, I was advised by the clerk that they do not report information to the credit bureaus. I called back ( XXXX ) to advise that the information that you are reporting on my file is incorrect and needs to be removed. I received a letter in XXXX stating that my inquiries and Bankruptcy came back as verified. I sent another letter in XXXX asking them to please send me proof on the evidence they attained to verify if any of the information was indeed mine. I have yet to receive a validation from XXXX or Transunion.

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 2018-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Following the 2017 XXXX data breach announcement, I initiated a credit freeze with all three credit reporting agencies. 

Experian responded with a written request and {$11.00}. 

I sent all the data and money they asked for. 

Experian failed to cash my check. 
Experian failed to freeze my credit report. 

I attempted to initiate a dispute, but they are having 'difficulties '. 

'' We're experiencing technical difficulties and can not access your report at this time. 
Please try again later. '' Am I allowed to freeze my credit report with Experian? 
Are they allowed to ignore my request to freeze?

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 2018-01-26 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I've sent a certified mailing to XXXX XXXX, that was received XX/XX/, advising that I've recently pulled my credit report and noticed an account from them listed on my credit report. The letter advised that I was requesting that the debt be validated. By law, I have the right. By law, agencies have 30 days to respond. XX/XX/XXXX made the 30 day mark and the company has not responded with any validation of debt to myself or the credit bureau. 

XX/XX/XXXX, I sent a certified letter to XXXX requesting the deletion of the above referenced account due to non response. I also sent a certified letter to Equifax requesting that the account be deleted immediately. 

I received notification from Equifax advised that they've received my " dispute '' and opened a dispute on the account. I did not request another dispute. I sent in a deletion of account letter to Equifax. By law, XXXX is entitled to 30 days and they failed to comply. By Equifax opening another dispute, that would be a total of 60 days. This account needs deleted off of my credit repot, immediately. 

I've attached a copy of the deletion letter sent to both XXXX and Equifax along w/ the certified letters return receipt. 

I've contacted Equifax today and after being on the phone with a representative for 30min, the call was discinnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XX/XX/ I noticed several charges that I did not recognize. After disputing them with Capital One, they ultimately determined that the charges were mine. However, I wasn't even in town when they occurred. Over the summer of XX/XX/XXXX, I wrote several letters asking Capital One to provide me with backup in the form of signed charged receipts with my signature on them proving the charges were mine. They refused to do so, continually responding with a general letter stating that they concluded their investigation and that the charges were determined to be mine. I wrote again and again and again with the same response! I finally found I no other alternative other than to dispute this situation with the CFPB. I am asking Capital One to provide me with physical proof, with MY signature, showing exactly when the charges were made, how they were made, where, etc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I had XXXX XXXX on XX/XX/2017 my XXXX XXXX insurance paid my bill there are no other charges due. XXXX hires XXXX to collect money due to their error of billing. They have been paid and verified from XXXX XXXX. Remove at once from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
ok I made a payment of {$99.00} on the XX/XX/XXXX they added fees in interest in the amount {$65.00} XXXX of my payment of {$99.00} .I am XXXX and have a hard time making the payment My identity was stolen in XXXX and usually they confirm charges this time they did not it was from XXXX and XXXX in the amount of {$160.00} that was in XXXX .I Told them I only stay at the XXXX XXXX XXXX XXXX and neither site said I was even registered. They did not recognize my email account. XXXX XXXX did nothing about it and I just had a small charge I did not recognize they took care of that. I am XXXX my income is limited now due to loss of medical insurance since XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: Santander Consumer USA Holdings Inc.
State: KY

Complaint narrative:
I received a loan from Santander Consumer USA back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! XXXX report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Complaint, Credit Report Complainant : XXXX XXXX, Consumer Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone No : ( XXXX ) XXXX Agency : Equifax and XXXX  Report Date : XX/XX/2018 Collector : XXXX Address : XXXX XXXX XXXX XXXX, IN XXXX Phone No. 
XXXX XXXX XXXX XXXX Creditor : XXXX XXXX, XXXX. XXXX  XXXX Account XXXX. : XXXX and XXXX This complaint is about the account above and the reporting of the collector, XXXX Solutions. I am XXXX XXXX, the debtor and Complainant in this complaint. Despite the regulations XXXX is obligated to abide by and my own conversations with Navient regarding their reporting, all attempts to rectify the situation have been unsuccessful. This has made it necessary for me to file this complaint. 

The basis of my complaint is simple. I have submitted an Application for Discharge and Forgiveness based on my XXXX to the XXXX XXXX XXXX XXXX, the creditor, along with XXXX XXXX, on this account. According to the rules stated by the Department of Education, third parties are to discontinue all collection efforts while the application is being considered. This includes negative reporting on all credit reports. 

Despite this XXXX XXXX continues to report this as a seriously past due collection account on all three reporting agencies. During my last conversation with XXXX their representative led me believe that the derogatory reporting had ended. The conversation was odd in that the agent began to argue with me then told me that the accounts were being reported as current. Based on the response I received when I asked for confirmation of this, I believe the Navient representative was being intentionally vague and deceitful. 

A review of my credit report shows that XXXX XXXX, the owner of my account, is reporting these accounts as XXXX as XXXX with no negative comments. The XXXX XXXX account numbers are Identical to the XXXX Solutions account numbers. XXXX XXXX is reporting these under open accounts, not as derogatory accounts, as XXXX is reporting. I have done a bit of research on XXXX XXXX and it appears that they have a history of bad faith dealings with their account holders. 

I appreciate any help I can get with this problem. 

I am attaching to this complaint the pertinent documentation, which includes XX/XX/2018 reports from Equifax and XXXX  and my Application for Discharge and Forgiveness, my own cover letter to the application and the Email confirming the XXXX XXXX XXXXXXXX receipt of the application including the date submitted.

Company response to consumer: Closed with explanation