vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

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 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 FOR 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to XXXX, and Experian requesting that a XXXX XXXX XXXX on my report be verified and provide proof of verification and if it couldn't be verified I requested the information be deleted from my credit file. Both XXXX and Experian claim the information was verified by a third party XXXX XXXX. Under the FCRA this information is not to be verified by a third party, the bankruptcy court should be the furnisher of the information. I have contacted the bankruptcy courthouse and they indicated that they dont provide verification information to third parties. So I dont believe XXXX  and Experian properly/legally verified the information as they claim to have.

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 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 FOR 30 DAYS LATE??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Universal Account Servicing, LLC
State: GA

Complaint narrative:
I purchased a plan through a company called XXXX XXXX XXXX. I financed my plan with this company that uses Universal Account Servicing to do their billing. XXXX XXXX XXXX uses false advertising and misleads the public as to what services they are selling. It was not until my 2nd couching session that I realize what I had signed up for which was well out of my 72 hour cancellation period and I had been lied to. Every phone conversation that I have ever had with XXXX XXXX XXXX   and Universal Account Servicing has been recorded to an app on my phone. I'd be happy to share these conversations if needed. I have tried to cancel my account and contract with both companies. XXXX, has deleted me out of their system except for the financial part. UAS has told me that all they need is something in writing from XXXX  to cancel my contract. I have emailed UAS 2 different phone conversations with XXXX  where 2 different representatives of their company state that the contract has been cancelled, which is obviously a lie after I spoke to UAS. My problem with UAS is that they do business with a company that has salesman that lie to the public, their consumers, and that use false advertising and refuse to cancel my contract.

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 2019-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY

Complaint narrative:
Deposit funds in my account and was declined in public with great humiliation and embarrassment, after 3 days of disputing the discrepancies I decided to close my account. This is the second checking account with this Bank, the person on my first account pulled all finds out of my account and absconded changing my information, I had no contact from the bank addressing the issue. I have been contacted by the bank informing me of a negative account, I asked them to please have someone of authority to return my call to resolve the issue. It has been 5 days and have not received a call.

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 2019-10-12 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-10-12 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: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX is on my Equifax and XXXX credit report with negative remarks. This company contract with me was not a legal contract and the warranty that was part of the XXXX XXXX  and not an outside company. XXXX XXXX XXXX sold me a vehicle with issues that they held the warranty for and I couldn't get the vehicle fixed or issues resolved because of this. Subsequently they agreed to take the vehicle back and take this off of my credit report and this still has not been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX is on my XXXX and Experian credit report with negative remarks. This company contract with me was not a legal contract and the warranty that was part of the credit acceptance and not an outside company. XXXX XXXX XXXX sold me a vehicle with issues that they held the warranty for and I couldn't get the vehicle fixed or issues resolved because of this. Subsequently they agreed to take the vehicle back and take this off of my credit report and this still has not been done.

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 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
On XX/XX/XXXX a XXXX XXXX was to sell me 2 tickets to XXXX XXXX. She gave me this email address to send the money to via paypal ( XXXX ). After sending {$70.00}, she did not give me the tickets. She said she tried to send them to my e-mail but it wasn't valid. She said her XXXX acct was locked and she couldn't get into it. She then sent me a " link '' to log into my XXXX acct. I refused to log into because it was a fake XXXX site. At this point, I knew it was a scam and requested my money back 5 different times. She stated she called paypal twice and then she blocked me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CT

Complaint narrative:
To Whom It May Concern, The reason for my dispute is NCB MANAGEMENT SERVICE XXXX  was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NCB MANAGEMENT SERVICE failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NCB MANAGEMENT SERVICE failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NCB MANAGEMENT SERVICE is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where NCB MANAGEMENT SERVICE is in compliance with OHIO LAW. I also have report this account to the FTC, and Columbus Police Dept.I need this collection account to be removed from my credit report.NCB MANAGEMENT SERVICE has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
The following items were all placed on my credit report at the same time. Phoenix Financial Services called and threatened to ruin by credit by placing the same item in collection multiple times. There should be only one ( 1 ) item, not four as submitted by Phoenix Financial Services. There is also an error in the Opened date. This one medical debt is several years old. I did not go to the doctor XX/XX/2019. I do not think Collection Agencies should be able to deliberately place multiple items on your credit in an effort to threaten me into paying. Can you please help me. My credit score dropped 24 points due to the four ( 4 ) Collection items added erroneously by Phoenix Financial Services. 

XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Servic Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Hello, On XX/XX/19 I responded to a XXXX ad from someone selling XXXX tickets. The person told me the only way he would sell these to me was if I purchased XXXX through the company Coinbase.  I made a transaction via Coinbase by purchasing {$280.00} in XXXX onXX/XX/19. After giving the individual from XXXX my personal information and attempting to give him my {$280.00} it XXXX, the transaction never processed. Ultimately, it turned out the person selling the tickets was a scammer. 

From this point on all I wanted was my {$280.00} transaction from the Coinbase.com website reversed. After several attempts at trying to access my Coinbase account and contacting customer service via Email, I finally heard back from them on XX/XX/19. After several messages exchanged with Coinbase.com they were not able to provide me with a solution. Instead, they decided to lock my account on XX/XX/19. I never asked them to lock my account. I tried contacting them via phone several times but it was impossible to speak with a live representative and every time I asked them in several email messages they never provided me a way to speak with someone on the phone to resolve this. 

Eventually, on XX/XX/19, I was able to log back into my Coinbase account and on XX/XX/19 they provided me with me access and the steps to withdraw my money. It turns out during this whole time, the value of my Coinbase account had decreased and I was only able to withdraw {$180.00}. During all of the email exchanges and unnecessary steps, nobody mentioned to me that the value was decreasing until the final email message on XX/XX/XXXX. I responded back addressing these concerns and asked to speak with a manager on the phone but Coinbcased has stopped responding to my messages all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: IL

Complaint narrative:
I have tried to get TransUnion to remove the account and inquiries from my credit report because they don't belong to me.

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 2019-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/XXXX /XX/XX/XXXX - DIFFERENT BUREAUS IS SHOWING DIFFERENT LATE MARKS!!!! 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late 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 2019-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX and XXXX of 2019 I made two separate orders at Macys.com. These orders were delivered successfully. 

The Macys app correctly showed both orders as paid in full with no further purchases. However, when my paper bill arrived there were numerous fraudulent charges during that period that were NOT listed on the Macys app! 

I filed a fraud report with Macys ; they replaced my credit card. However, after speaking with dozens of Macys employees, receiving multiple letters from different departments ( no one seems to talk to each other! ) the issue is still not resolved. 

I am also receiving DAILY emails that I have a credit balance! These emails seem to be designed for people who dont pay their bills I have a credit according to Macys and I find these daily email security alerts harassment. I can only imagine people who arent able to pay their bills are also receiving daily alerts. Isnt that illegal? 

When I called Macys to tell them according to my records I dont have a credit balance, they said theyd fix it. The next statement DOUBLED my credit balance. 

When I called today to ask them to stop sending me daily emails, they said theyd issue me a refund check which would stop the emails. They were not interested when I said the credit amount was in error. 

What a hassle and they still havent resolved the fraudulent activity on my account!

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 2019-10-12 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: IL

Complaint narrative:
I am a victim of the 2017 Equifax data breach. My information was compromised and accounts were opened in my name that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: FL

Complaint narrative:
I have an auto loan with Exeter finance. Ive had this loan for almost 6 years. I am supposed to have two remaining payments in the amount of {$380.00}. I received a letter from them stating that there is an extra almost {$1500.00} worth of interest applied to my loan because they put two loan payments on the end of my loan five years ago. No one ever told me that they were going to be assessing an extra {$1500.00} worth of interest, and then they send me a letter threatening to report me to the credit bureau if I dont have that extra {$1500.00} paid off by the end of my loan on XX/XX/XXXX. This loan has been current for five years or so. I attempted to call them and speak to them about it, theyre trying to tell me that what theyre doing is OK and that I have to pay it and if I dont pay it then theyre going to repo my car and report me to the credit bureau. I have made 70 payments on this car, Im supposed to have two remaining payments, I signed a contract for 72 payments, and now they want me to come up with an extra {$1500.00} in a month. I asked them to produce proof that someone even spoke to me about this or I signed something saying that theyre going to assess an extra {$1500.00} and the woman told me because Im in Florida that they dont have to do that. I dont understand how a business can be deceptive and then take something from me that I have paid for for six years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: VA

Complaint narrative:
On XX/XX/2019, I made an international money transfer through my REMITLY mobile app to XXXX.I transferred the sum of {$1000.00} to my recipients XXXX XXXX XXXX account in XXXX using my debit card. And my this transaction showed successfully delivered to recipient right away. When my recipient went to retrieve the money, the banker official said the money isnt there.i then called Remitly and they said I must provide a bank statement to prove this which I did 2 days later. I have continued to call and exchange emails with Remitly and have even sent another bank statement after 2 weeks of not receiving the funds.during some of my calls and emails with them, they mentioned that they do not service dollar to dollar transactions.unfortunatelly I wasnt aware of this at the time of making my transfer which means my money is hanging somewhere other than my recipients account if they do not accept dollar to dollar. But until now, Remitly is still giving me a run around and have refused to Re-embuse me or find the money.its almost a month finding my hard earned money .please help me. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services never sends me my consumer report, even after asking for it by phone and email which is my Legal Consumer Right under the Fair Credit Reporting Act. Early Warning also has fraudulent information contained on my consumer file. There is a XXXX XXXX AKA XXXX XXXX AKA XXXX bank checking, savings and money market account that is listed on the report all of which are fraud, I have never done any business with this company and it has already been reported to the company. Additionally they have 2 accounts from XXXX listed which are also fraud, again I have not done any business with this company. These accounts are fraudulent and I want these blocked. There is also two XXXX XXXX Accounts a Checking and A Savings. Which I did not open nor authorize to be opened, I have never lived at the addresses they have listed for these fraudulent accounts. They are opened by an identity thief who stole my identity. I am attaching my identity theft affidavit below.

Company response to consumer: Closed with explanation