vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I can not access any of the Experian on line services because a message is returned that the information entered can not be validated or the information submitted does not match the information on file. Experian does not allow any connection to a " REAL PERSON '' no matter what I try,. I have called all the telephone numbers that are available and every one of them gets me an AI voice machine that provides absolutely no ability to connect to a person. I have my account on CREDIT FREEZE and periodically I have to suspend the freeze in order to open a new account, or with the current incident, purchase a new vehicle. Everyone, myself included, is rejected whenever they try to get information from Experian about my credit. Experian has some corrupted, inaccurate information on file for my account, and I have no way to get them to correct it. 

It is not right that any company can control my ability to purchase a new vehicle or any other financial transactions without giving me the opportunity to contact them and have them correct their records. The only option they allow is for me to write to them in Texas and they will try to help me within 15 days, providing I send them a long list of proof of identity. I have done this but I do not have 15 to 20 days for them to take action on a problem they have caused. Remember they were the ones who enabled HACKERS to access my account and all my financial date. 

Experian should not be allowed to prevent me from contacting a real person when I am having these type problems with their records on me. Their web sites provide a telephone number to reach customer support or to reach technical support, but, all these numbers connect to an artificial voice machine that always ends up in the same place, no connection to a person and no resolution of the problem. 

XXXX 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 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
Calls my sister Im law at XXXX ( XXXX XXXX XXXX and my brother at XXXX non stop and harassment with different phone numbers below and threat to send legal documents to her home for a debt I owe XXXX XXXX XXXX

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 2018-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX was servicing my mortgage on my house that I sold inXX/XX/XXXX. They had sent me my escrow check in the mail as I moved from NY to FL. I never received the check, so I called them, they told me it had cleared with Wells Fargo. We came to the conclusion there was mail fraud/identity theft of the check. 
I submitted a complaint with CFPB on XXXX as they had no real info on how this happened to settle this, & also said I needed to work with Wells Fargo on the case as it was in their hands due to they cleared the check. 
Wells Fargo gave me a case # of XXXX & I keep following up for the past 2 months, no details at all, just an open case. 
No one can tell me how or why they cleared the check with me providing & notorizing paperwork as the proof that the signature is not even close to being mine, nor my checking account. 
No one can even give me details on how this can happen where someone can deposit a check in my name & address & clear it without any ID/proof.

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 2018-01-19 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: GA

Complaint narrative:
XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: GA

Complaint narrative:
XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: NC

Complaint narrative:
I received a XXXX 's XXXX XXXX that looks as though it goes through a financial institution called " XXXX '' ( this seems to be their website : XXXX ). The problem with this advertisement, I guess I would call it, is that it has a card number and my name pre-printed on the card. It also has my name, address, a routing number and account number listed on the front page of the letter. While this is prepaid, you have to read the small print behind the card to understand to really understand what this card is and that your credit was not checked for this card. I was very concerned at first because it had all of the account numbers, my name printed, and I thought they ran a credit report. At first, I thought it was a real credit card put in my name. Why should I have to take the time to shred this information and a card, when I never asked for this. It causes unnecessary stress for the consumer and could be misleading to an elderly person. This is poor advertising and it makes me think poorly of XXXX and this XXXX institution. If my name was not pre-printed on this, it didn't have an account and routing number before being activated, and it was very obvious in the letter that this was not run through my credit ; I would be okay.

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
On XXXX XXXX, 2018 I started a money transfer overseas to myself ( I 've been living abroad for about a year ) as I have done several times in the past year through Western Union without any issues. Then I received an email asking for a government issue ID which I provided a copy of my U.S passport. I got an email a little later approving the transaction. Then on the day that I was promised that the transferred money would arrive at a local Western Union branch in XXXX for me to pick up I received an email from Western Union stating they were withholding my money. I called the hotline XXXX and spoke with their representative. They told me they needed more information and would want to do an interview with me. I thought that was odd as I have done over 10 transactions with Western Union over the year and had no issues. I requested to know why the interview was needed and the customer rep told me that it was an internal procedure. She then started asking personal questions such as why did I need the money and whether if I was employed and if I had other sources of income. I thought that it was odd for a company like Western Union to ask a customers these questions especially this was not my first transaction and the amount was only {$4000.00}. I told her I needed money to live overseas since I am living in another country. At that point I was fed up with the interrogation and questioning of my own money and what I was gon na do with my money. I do n't think Western Union has a right to ask these questions or if they think they do then they need to list that up front on their website. No where on their website when I did the transfer indicates that they were going interrogate people if they were sending money to themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: TX

Complaint narrative:
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts equifax breach has cost me tons of money taking more than 30 days violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: NJ

Complaint narrative:
XXXX XXXX made several calls and sent two reminder letters for payment past due on my new vehicle. I sent proof of payments from XXXX XXXX as well a list of ( 24 ) payments made on the old vehicle returned on XXXX XXXX 2017. 

I am very worried about the lack of oversight in the account that can potentially damage my credit report. Two missing payments for a new car lease it will show very quickly in all three credit agencies as well as to lower my credit scores and increase interest rates on future loans. 

I would appreciate it to take action and protect the consumers from future negligent and unprofessional conduct of XXXX XXXX XXXX  XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: TX

Complaint narrative:
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX  breach has cost me tons of money taking more than 30 days violation of 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 2018-01-19 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: TX

Complaint narrative:
cra violation names wrong inaccurate information on reports sent the po report and id theft gov information no knowledge of accounts XXXX breach has cost me tons of money taking more than 30 days violation of 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 2018-01-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
We were working with XXXX regarding a loan modification, during the process the account was transferred to XXXX XXXX. The modification did not go through. We had been working with XXXX since XX/XX/XXXX trying to get a modification only to be turned down or to be offered such a large mortgage that we could not afford it. We received a notice XX/XX/XXXX that informed us that our home will be sold XX/XX/XXXX.

We need help and direction please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I discovered XXXX XXXX XXXX re-inserted 2 negative credit items into my Equifax credit file. Equifax failed to notify me as required with 5 days of re-inserting 2 previously deleted items. I did not receive any such notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I was purchased marketing & promotional Services from XXXX XXXX aka XXXX  he put my song on XXXX for XXXX which was not the deal his services are SCAM not correct. He says to bad no refunds I called PayPal over 7 times & Filed a Dispute almost 30days later they file it in the Scam sellers Favor

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hello, I have been using Coinbase.com to purchase some cryptocurrency. To transfer money in, I had to use a XXXX transfer from my bank ( XXXX, XXXX ). I made the transfer from my XXXX  account on XX/XX/XXXX and it arrived 2 days later in the Coinbase account. The instructions requested that I use a specific identification code in the transfer, which was fine.

I wanted to withdraw a quantity of that money back to my XXXX account, for which Coinbase requested that I send another XXXX transfer for a small amount to verify my bank account, which I did on the XX/XX/XXXX( at a flat fee of XXXX per transfer ). Since then, Coinbase has refused to verify my account and I am left with XXXX of my money stuck in their account.

I have mailed Coinbase on two occasions about the issue, on the XX/XX/XXXX and XX/XX/XXXX, to which I have received automated responses. I have read of many other accounts online that have suffered the same problem with no help from Coinbase.

I need access to my money immediately and they are refusing to let me withdraw it back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: FL

Complaint narrative:
I have been writing and disputing several accounts on my credit report since XX/XX/2016 due to me being a victim of identity theft.. Equifax refused to delete this account from my report. I provided a police report and a report from FTC and all notorized documents. I 've contacted the creditors as well and provided them reports and these accounts were deleted by the other bureaus but not from Equifax. The send the same letters back asking for my identification during each dispute which they already have on file with I believe that is to hinder my ability to have these accounts removed. I am frustrated and completely furious about how I am being mistreated. This is the same company that betrayed the consumers and refused to tell us about the breach of information so they can not be trusted in my eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: WI

Complaint narrative:
Good Morning, I sold my condo on XX/XX/2017. The title company submitted my property taxes as part of the closing. I have an acknowledgement from the City of XXXX XXXX that the funds were received. During this process my Mortgage company also submitted payment for the taxes from my escrow account. However, these funds were returned because the tax bill was paid. I have now contacted Mr. Cooper several times regarding where these funds are. I am receiving a different answer each time and am no closer to receiving a refund from my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
They call often, using various numbers, even local numbers, making me think it 's school ( XXXX young children ) or work related. They never call using XXXX or XXXX number or company name on caller ID. They wont respond, or talk to me, they keep reading 'script '

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advanced Collection Bureau, Inc.
State: TX

Complaint narrative:
XXXX XXXX from Advanced Collection Bureau has been calling since XXXX trying to collect on debt that is not valid. I have explained this to her on the phone and told her to send me the paperwork proving this debt. She is saying I owe {$11000.00} on a lease debt. I wanted to complain also about the repeated calls daily and using abusive language. She has said they is a court judgement. There is no judgement. I never received any letters/notifications from the company who told her I owe this debt. She has made false statements or representation of the wrong amount. There is no way I can owe {$11.00}, XXXX that is more than the whole lease. She has also contacted my roommate and my parents multiple times after they said we wo n't talk to you. They said we do n't know her and where she is. She also threatened to damage my credit for this invalid debt. She has damaged my credit when she has not sent any documentation to me to prove/invalidate the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: FL

Complaint narrative:
I have been going back and forth with Equifax since 2016 reference an account that does not belong to me. I have provide all letters notorized and FTC report and police report and they still refuse to delete these accounts from my credit report. I also provided this to the creditors and it was removed from the other bureaus but Equifax keeps stating that it was verified. There 's no way that is possible. They have betrayed us citizens by allowing people to have access to our information and then tried to cover it up. This is totally unacceptable and should be dealt with accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Disputed with credit beareu serveral times

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( XXXX, XXXX & TRANSUNION ). 

Thank you in advance for you help in this matter

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
A substantial amount of money was wired to XXXX ( Coinbase ) with the instructions followed down to every minute detail. The site states that transfers will be accepted same day if conditions were met. There was no warning of delays on the wire transfer page and my money has been missing for 4 days. I have contacted XXXX over 5 times and waited on hold for hours with the phone rep saying there is nothing they can do and wait for an email. I have received no resolution.

Company response to consumer: Closed with explanation