vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-10 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: PA

Complaint narrative:
XXXX and Equifax employees over the phone both explained how the investigation process works. They both said that they send the collection agencies the disputes and they have 30 days to get it back. I asked them what proof did they get from them and they all said it is whatever they transmit to them on tape. I asked them about my signature on a document. They both said no. They only have to look on their computers and check if it sill shows. Well I told them does that I can open a XXXX and XXXX and report they are delinquent with me for millions as well as Equifax and XXXX. When XXXX calls me I can say yep, they still owe me but I can settle for 80% of the millions they owe me! They both offered me to provide a consumer statement. I said XXXX to both of them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Harley Davidson Financial Services Inc
State: TX

Complaint narrative:
My motorcycle was stolen in between JXX/XX/XXXX-XX/XX/2019 and my insurance company XXXX payed the motorcycle off and I didn’t know I had a balance left over, which I payed once I found out about the unpaid amount. I called to talk to someone About my situation which they just blew off. So I filed with each credit agency to have the late payments removed for XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 but they keep saying it’s accurate.. my account is 100% on time..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
-Made payment western union byXXXX XXXX -Made payment XXXX checking account on XXXX XXXX.-Made final payment for XXXX on XXXX.Had a phone conversation with Ally in XXXX total due on vehicle was XXXX Now they claim. I owe over XXXX. I recieved a letterswith conflicting amounts XXXX payoff XXXX   payoff. And last payment was made in XXXX they wont send me my title to my vehicle. My credit score went to XXXX  to less than 500 in 4 months. They wont send me the recorded conversation we had in XXXX till I agree to be recorded again that I owe. Now they have sent it to asset collections. Payments were in good standing over a 6 year period. Now they are requesting additional money. All I want is my title and my credit fixed.Loan ended in XXXX  of 2019. I thought I completed payment as of XXXX 2019. Tried to rectify in XXXXl will Ally final pay off was XXXX as of XXXX talked to representatives and made payment accordingly. Now there are additional charges.

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 2019-09-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am XXXX XXXX sailor in the military I have contacted Capital One Bank  and XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX I have spoken to ther credit card department, auto loan department and the Capital one 360 banking on several occasions requesting proof of my signature for over 20 inquires for Capital One 25 for XXXX listed on all three of my credit reports . I get transferred and one is able to assist me to let me know why my credit is being pulled . I have only authorized capital one to pull my credit on 2 occasions XXXX XXXXXXXX credit increase and XXXX XXXX auto loan  . I have authorized XXXX to pull my credit for auto loan XXXX XXXX  I have placed a fraud alert and requested I be contacting via phone (celluar number) before my credit is pulled . I have contacted XXXX   XXXX and XXXX to have these inquiries remove each time I have called I was told to contact the merchant (Capital One)XXXXI hired a credit repair company to send letters to both the merchant and credit agencies I have gotten no where out of XXXX fromXXXX XXXX . I’m mostly away out on deployments so I’m not sure why I’m getting these inquires monthly .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I am active duty sailor in the military I have contacted XXXX XXXX XXXX  and USAA XX/XX/XXXX, XX/XX/XXXX , XX/XX/XXXX XX/XX/XXXX I have spoken to ther credit card department, auto loan department and the XXXX XXXX XXXX banking on several occasions requesting proof of my signature for over 20 inquires for XXXX XXXX XXXX for USAA listed on all three of my credit reports . I get transferred and one is able to assist me to let me know why my credit is being pulled . I have only authorized XXXX XXXX   to pull my credit on 2 occasions XX/XX/XXXX credit increase and XX/XX/XXXX auto loan  . I have authorized Usaa to pull my credit for auto loan XX/XX/XXXX  I have placed a fraud alert and requested I be contacting via phone (celluar number) before my credit is pulled . I have contacted XXXX XXXX and XXXX to have these inquiries remove each time I have called I was told to contact the merchant (XXXX XXXX)(USAA)I hired a credit repair company to send letters to both the merchant and credit agencies I have gotten no where out of XXXX fromXXXX XXXX . I’m mostly away out on deployments so I’m not sure why I’m getting these inquires monthly .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NV

Complaint narrative:
I tried to apply for the XXXX XXXX XXXX issued by Goldman Sachs. At the end of the application, it asks for a scan of an official government ID. I tried and tried to scan my passport but it kept rejecting it. There is no way to ask for help, no phone number, no chat bot nor email address to complain and ask for assistance. When I call XXXX  or Goldman Sachs they have no idea where to direct my call and just tell me to resubmit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion is violating my rights under the FCRA.After many attempts to dispute my credit report I get the same error message.We’re sorry, this site’s dispute functionality is not available at this time. Please wait at least an hour and try again.The above error message occurs any time of day and any day I try to file a dispute.There seems to be where I have been blocked to enable me to file a dispute. Their site allows me to log in but blocks me to file a dispute.

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 2019-09-10 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: PA

Complaint narrative:
Transunion and XXXX employees over the phone both explained how the investigation process works. They both said that they send the collection agencies the disputes and they have 30 days to get it back. I asked them what proof did they get from them and they all said it is whatever they transmit to them on tape. I asked them about my signature on a document. They both said no. They only have to look on their computers and check if it sill shows. Well I told them does that I can open a XXXX XXXX XXXX and report they are delinquent with me for millions as well as XXXX  and Transunion. When XXXX calls me I can say yep, they still owe me but I can settle for 80% of the millions they owe me! They both offered me to provide a consumer statement. I said XXXX to both of them. Put that in where the sun don't shine!

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 2019-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
i receive my credit report and notice that this company was showing as an inquiry on my XXXX  from CBNA on XX/XX/2018. I'm unaware as to who this company is and I did not authorize my credit to be viewed by this company

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 2019-09-10 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: CITIBANK, N.A.

Complaint narrative:
Dir Sir or Madam:I wrote to you approximately 11 months ago regarding a ‘Charge Off’ and delinquent activity being reported on my credit file from Citibank (CFPB Case No. XXXX). I received a response on XX/XX/XXXX, from XXXX XXXX denying my request to remove the derogatory information. In late XX/XX/XXXX, Citi shut down an overdraft account after I closed my corresponding checking account. At the time, I did not realize that there was a balance due on the overdraft. After the account was closed, I attempted to log on and ensure that everything was in order but was unable to access the account at that point. I called Citi and was told that they would be in touch. I was never contacted again.In XX/XX/XXXX, my company was in the process of securing a $XXXX XXXX XXXX loan for a XXXX XXXX XXXX project. The lender ran my credit report and found the derogatory information. I called Citi and they explained the reason for the status of the collections. I immediately transferred $XXXX to Citi to clear the balance. None the less, I was forced to resign from the company in which I was a 50% shareholder, in order to secure the loan.As of today, Citi is still showing the balance due and multiple associated late payment marks. In his letter, Mr. XXXX  never mentioned receiving the payment of $XXXX on XX/XX/XXXX. Mr. XXXX also claimed that Citi had no record of any communications with me or of statements being returned. I cannot accept his claims since the company has an inability to even track my payment of the XX/XX/XXXX.It has now been approximately one year since I first notified Citibank of this troubling issue. My credit and business have been harmed and I would request that you assist me in dealing with this egregious lender. If the $XXXX is not corrected to be shown as paid and the derogatory marks removed, I will be forced to seek legal action.Kind regards,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 2019-09-10 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: Southwest Stage Funding
State: TN

Complaint narrative:
I went to a mobile home company called XXXX XXXX an filled out an application for a new home, by application was sent to 3 banks. South west Stage fund was one of the companies that received my application and reviewed credit report on XX/XX/2018. it was a week and I called the sales representative to find out about the status of my application, I was told that my application was sent to South west stage fund he gave me their customer service number, I spoke to a credit representative that went over my application and asked my several questions , he pulled up my credit report and went over my debt to income. Then I was told that I will be notified , well I waited a few more days and I called XXXX XXXX again and told him what was going on, he said that he will call South west stage fund and stay on the line together. we was transfer to a supervisor because the representative that was handling my loan application denied my application and terminated his position or went on vacation that day I'm not sure everyone was talking so fast. when XXXX XXXX and I disconnect the call we were very upset about the way my application was handled unprofessionally , so my application was sent to XXXX XXXX that same day and was approve for $XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 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: LA

Complaint narrative:
I am a victim of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit (DOMMA) is to assert my command that you,as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced (as mandated) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victim’s Complaint and Affidavit

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 2019-09-10 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: NY

Complaint narrative:
Please be advised that IRS reported identity theft and insists on communication with an identity protection IP PIN. This directly relates to all the fraudulent fact you data mined, without my knowledge, and are now using to reduce my credit score and to purposefully present false reports about me. Therefore please email XXXX the source of the following fact for each of: XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX   XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX XXXX XXXX, NY XXXX Address ID #XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Potentially negative XXXX XXXX XXXX, Potentially negative XXXX XXXX XXXX, XXXX  XXXX, XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or as Experian has fraudulently data mined please email XXXX confirming immediate removal of each false fact from my credit report.Furthermore, please email XXXX a copy of my signed authorization for each of: Hard inquiry XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, Hard inquiry XXXX XXXX XXXX XX/XX/XXXX, Hard inquiry XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN CONSUMER SERV, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN CONSUMER SERV, Soft inquiry XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX EXPERIAN, Soft inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX INTERNAL REVENUE SERVICE. Soft inquiry XX/XX/XXXX INTERNAL REVENUE SERVICE, Soft inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX EXPERIAN, Soft inquiry XX/XX/XXXX and XX/XX/XXXX XXXX XXXX, Soft inquiry XX/XX/XXXX XXXX/XXXX XXXX XXXX and Soft inquiry XX/XX/XXXX XXXX XXXX or as Experian has fraudulently data mined please email XXXX confirming immediate removal of each false fact from 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 non-monetary relief
Consumer complaint received 2019-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase has locked me out of my account. I tried following their instructions to log in but nothing I have done has worked. I have tried contacting them through phone and e-mail but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I have no idea who Caine & Weiner  is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent.  Caine & Weiner is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019.  I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I REQUESTED INFORMATION FROM CAINE & WEINER AND THEY DID NOT REPLYWhen a debt collector engages in the collection of “DEBT” they must provide copies of the following items:1. Provide a certified copy of the complete credit application that “debtor” signed to secure the credit with your entity.2. Provide signed verification of each transaction that is part of the alleged cumulative debt.3. Provide the contract or other instrument through which [Alleged Creditor } authorized Caine & Weiner as third-party collection agent.4. Provide a true and correct copy of the instrument by which [Caine & Weiner } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States (31 U.S.C. § 9101).5. Provide the delegation of authority from the Director of the Office of Management Budget to  Caine & Weiner, that authorizes your company to settle accounts of the United States (Public Law 104-316).6. Provide the Certified Assessment Certificate. Violation(s):* Failure to provide a notice prior to reporting negative information to a credit reporting agency (CRA).* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency (CRA).* Failure to provide an Opt Out Notice.* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.* Sharing Non Public Information (NPI) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
I have no idea who Carter Young Inc A/D is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Carter Young Inc A/D is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018.  I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. CARTER YOUNG INC A/D DID NOT PROVIDE ANY OF THE INFORMATION REQUESTED.When a debt collector engages in the collection of “DEBT” they must provide copies of the following items:1. Provide a certified copy of the complete credit application that “debtor” signed to secure the credit with your entity.2. Provide signed verification of each transaction that is part of the alleged cumulative debt.3. Provide the contract or other instrument through which [Alleged Creditor } authorized Carter Young Inc A/D as third-party collection agent.4. Provide a true and correct copy of the instrument by which [Carter Young Inc A/D } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States (31 U.S.C. § 9101).5. Provide the delegation of authority from the Director of the Office of Management Budget to  Carter Young Inc A/D, that authorizes your company to settle accounts of the United States (Public Law 104-316).6. Provide the Certified Assessment Certificate. Violation(s):* Failure to provide a notice prior to reporting negative information to a credit reporting agency (CRA).* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency (CRA).* Failure to provide an Opt Out Notice.* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.* Sharing Non Public Information (NPI) without providing an Opt Out Notice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation