vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FRCA- they are required to " ... promptly delete all information which can not be verified. " that I have disputed. Please resolve this manner as soon as possible. 
Thank You

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 2018-03-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Did not receive anything from this company before they put it into collections

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: NC

Complaint narrative:
On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, Transunion, XXXX, And XXXX and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX  ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX  has removed this incorrect negative file off my reports as of today & I feel that XXXX   and Transunion should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.

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 2018-03-27 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: FL

Complaint narrative:
I have disputed incorrect account reporting information with Experian, supplied them with undisputable legal documentation reporting error only to be told that their investigation has validated the information. Their validation of accuracy was sent to me the day after I initiated my dispute, so it was not investigated, nor did they even review the documentation I furnished them with.o Dispute of inaccurate reporting filed XX/XX/XXXX regarding 2 inacurate records from XXXX XXXX. Received notification XX/XX/XXXX that information was verified.XX/XX/XXXXXXXX XXXX dispute for inaccurate reporting. XX/XX/XXXX notified information was verified. XX/XX/XXXX XXXX XXXX dispute opened.XX/XX/XXXX verified. XXXX XXXX, same situation. This company is not following FRCA act and needs to be help accountable! These records are hindering my ability to obtain much needed credit.

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 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XXXX of 2016, I opened up a credit card account with Navy Federal Credit Union, a limit of XXXX. As of XXXX, i called them informing them that my card had been missing and i needed it frozen in order to protect my account. I also moved in that from the location that i was previously living. I was unable to get any bank statements or payment stubs from Navy Federal Credit. Because of this I am in turmoil. My credit has drastically dropped because of this. I feel as though it isnt fair that i am being punished for a report i was unaware of. Especially if i wasnt in the given location where my bill was being sent to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received a overnight unsigned letter from Bank of America informing me that they had " removed '' {$4500.00} from my regular savings account as the results of a CD that I had made a loan to a business on that closed and the bank received a " Payment Demand Notice '' from the Texas State Comptrollers office. The bank incorrectly stated that the account balance was transferred to my personal savings account. When in fact the loan was not accepted. The {$4500.00}. from a {$10000.00} CD was rejected and replaced by a {$5000.00}. CD secured by the Trustee/ Owner of the business early, in XX/XX/XXXX. Copy attached. Further, the {$5000.00} CD was to the business. A Conduit bond was canceled. And a new bond issued for {$5000.00}. In XXXX, XXXX The certificate of deposit was released with a statement that its was not needed. It qualified for exemption. Copy attached. The assignment loan of {$4500.00}, shows the first two copies submitted neither signed by Comptrollers office. Because they were not accepted at that time. On XX/XX/XXXX, I received a Next Day delivery from Bank of America with a back dated signed of copy of the last version of the original CD signed by a XXXX XXXX. In writing at the top of the form, and the faxed statement at the very top confirms this. I informed XXXX XXXX that I had gotten the document reviews by an attorney for consultation. His recommendation, ( because I could not afford to hire an attorney ). Was to first address the problem directly to the Comptrollers office. I did. On XX/XX/XXXX. I received an email from XXXX XXXX, Tax Hearing Attorney for the Comptrollers office stating the office was correct in this actions, and the file closed. Both the Comptrollers office, and Bank of America have used manipulation, and abuse of position and authority to take funds from my person to secure funds for a closed business. The Comptrollers office manipulated part of my account in in their " Demand Letter ''. Copy attached. 
Please review and reply. 
Thank you, 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 2018-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I am with Bank of America. They have XXXX  built into the app. I thought it was a service very similar to XXXX/XXXX where if fraud occurs you can cancel the payment. It also advertises it as being secure. Which BOA having a contract with them makes it feel very secure. I was frauded on a concert ticket sale. The Confirmation number is XXXX. The amount was {$60.00}. Perhaps BOA should have a more reputable app built within their mobile platform one that has similar security to that of 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 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX just called. She told me someone in underwriting made the decision to cancel this file due to the buyers proof of funds not matching on page 1 and 2. ***Please see attached the total amount deposited in XXXX on page 1 ( {$860000.00} ) MATCHES EXACTLY the amount of page 2 showing TWO deposits on the same day ( {$460000.00} and {$430000.00} ) which total $ {$860000.00}. It is clear that there were TWO deposits on XX/XX/XXXX from TWO separate accounts that total the amount showing as deposited in XXXX. 

XXXX REFUSED TO TRANSFER ME TO A MANAGER. XXXX REFUSED to send this back for review and instead CLAIMED THE BUYER CAN NOT EVER PURCHASE THIS PROPERTY. 

XXXX LIED TO ME SHE IS IN FACT THE UNDERWRITE FOR THIS FILE. ( see attached screenshot showing XXXX XXXX as the underwriter. ) She likely lied to me when she said that it was someone else that made the decision to cancel the file. SHE is the underwriter and SHE most likely made the decision on her own to cancel this file. It is obvious that XXXX XXXX is a XXXX and follows the rest of Bank of America in its XXXX dealings with minorities. 

I question whether XXXX, or if it was indeed not XXXX who made the decision to cancel the file, is illiterate or whether Bank of America has gone the way of XXXX in hiring people from THIRD WORLD COUNTRIES to MAKE CREDIT DECISIONS FOR US CITIZENS???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 


WE CANT BELIEVE BANK OF AMERICA IS SO STUPID THAT THE CAN NOT EVEN READ A BANK STATEMENT???? 

WAS THIS REJECTED BECAUSE IT WAS A BANK STATEMENT FROM THEIR COMPETITOR????? 

WAS THIS REJECTED BECAUSE THE PEOPLE MAKING CREDIT DECISIONS AT BANK OF AMERICA ARE XXXX???? 

WAS IT REJECTED BECAUSE BANK OF AMERICA, ONCE AGAIN, HAS DETERMIED THAT A MINORITY CLIENT IS UNWORTHY OF THE SAME TREATMENT OF A XXXX   BORROWER????? 

Oh and by the way, the signor for the buyers company is also a minority. DOES THAT MEAN BANK OF AMERICA IS TRYING TO BAN NON-XXXX PEOPLE FROM PURCHASING PROPERTIES??????? 

This complaint will also be copied to the Attorney General. 

Have XXXX XXXX, the person listed as the president, feel free to call us.

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 2018-03-27 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:
On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through Transunion, XXXX and XXXX  and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX reported on my credit as paid in full because two different insurance companies paid them.

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 2018-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
Collection Agency letter from XXXX XXXX   sent to my XXXX XXXX but name incorrect. That agency is wanting money for a XXXX USA phone bill. We have never had XXXX  account therefore do not owe anything. The problem is when checking credit agency bureau, a SOFT INQUIRY into my credit shows up from XXXX  XX/XX/XXXX and another inquiry from XXXX XXXX on XX/XX/XXXX. We are concerned about damage to our credit history/score from unknown person using our address. The scammers name is listed and similar to my own, however the XXXX XXXX has been in use by me for 20 years and the Soft Inquiries appear on our XXXX credit reporting agency report. There was also a phone call to my wife 's cell phone number XX/XX/XXXX wanting payment.

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 2018-03-27 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:
Received an alert from credit monitoring service that inquire from XXXX XXXXXXXX XXXX posted on my account XX/XX/2018. Contacted Trans Union to notify that I did not apply for credit and inquiry is unauthorized. TU advised that I contact XXXX   to have inquiry deleted. Contacted XXXX and was advised to contact TU to have deleted because they have not record of application on file. Contacted TU to have inquiry deleted after explaining what was advised by XXXX. TU indicated that they could not delete and I would have to contact 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 2018-03-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: J Northland Group
State: OR

Complaint narrative:
I received a phone call today from a blocked number. They left a voicemail stating " Hello. This message is intended for a ( my name ). This is XXXX ( last name XXXX  ) contacting you about a scheduled delivery of legal documents that requires your signature. This is a courtesy call prior to legal documents being issued out to your home, residence, or place of employment. If you have any questions or concerns or need to reschedule a time of delivery you can contact the complaining party directly at XXXX Again, the number is XXXX. The case number is refer to case ID number ( then gave the number ). Thank you, you've officially been notified. '' I called the number they gave me and spoke to someone named XXXX. They said that I owe XXXX  for a payday loan from 2005 in the amount of {$570.00}. They had my maiden last name, the old address I lived at, and where I worked then. She told me that I had signed a contract saying that they had up to 15 years to come after the debt. She said I was being sued for the amount owed and for intentionally defrauding a financial institution. XXXX  sent me an email that just had the amount owed and the name of the lender. I called back and asked for a copy of the documents I had signed and proof from the company. She told me that it was evidence that XXXX  is using against me in a lawsuit so they can not send it to me. She transferred me to a supervisor who repeated what she said, adding that I would have to attend a hearing in order to receive the documentation. I asked if I was supposed to just pay a 13 year old debt with no proof that I owe it, and she said yes.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-27 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: GA

Complaint narrative:
On or about XX/XX/2017 I wrote certified letters petitioning Equifax, XXXX  and XXXX about erroneous items on my credit report, I asked for validation of these accounts and my authorizing of them to the creditor according to Section 609 of the Fair Credit Reporting Act, despite my legal rights of the aforementioned private agencies to report show validation of their reporting, I have received no such proof. This lack of effort/proof is leading to a negative fray on my financial representation and essentially leading to institutional slander of my credit worthiness. I also, sent certified letters of the same on XX/XX/XXXX to the aforementioned private entities and once again to no avail as to providing proof of reported accounts. My next step is legal action and I am petitioning this body of law enforcement to arbitrate and save both parties the negatives efforts such a case would bring about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Received an alert from credit monitoring service that inquire from Bank of America posted on my account XX/XX/2018. Contacted XXXX XXXX to notify that I did not apply for credit and inquiry is unauthorized. XXXX advised that I contact BOA to have inquiry deleted. Contacted BOA and was advised to contact XXXX to have deleted because they have not record of application on file. Contacted XXXX  to have inquiry deleted after explaining what was advised by BOA. XXXX indicated that they could not delete and I would have to contact BOA.

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 2018-03-27 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: NC

Complaint narrative:
On XX/XX/XXXX, I Contacted ALL 3 Credit Bureaus, XXXX, XXXX, And Experian and the Creditor ( XXXX XXXX XXXX ) about an collection account showing on my credit reports that was drastically hurting my credit reputation and adversely affecting my credit worthiness.

On XX/XX/XXXX, I received a response from the creditor ( XXXX XXXX XXXX ) that this account does not belong to them. I find that strange because they have been reporting negatively on my file since XX/XX/XXXX and as recently as this month XX/XX/XXXX as seen on the pictures attached.

XXXX has removed this incorrect negative file off my reports as of today & I feel that Experian and XXXX should do the same being that the creditor has already identified this account is an error, as seen on the complain attached.

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 2018-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I created a Coinbase account last year to dabble with cryptocurrency. This process involves submitting a picture ID ( Drivers License ), a photo using your computer 's camera, personal info, and banking information. Your email address is submitted as well and used as your user name for access to your account. Coinbase uses a 2 factor authentication process if you or someone tries to change your password.

I made a few small investments in Bitcoin and Ethereum in XX/XX/XXXXor XX/XX/XXXX.

InXX/XX/XXXX I switched internet service providers at my home which inadvertently shut off access to the original email address used to set up my Coinbase account. I forgot to go online and change the account information to my new email address. In early XX/XX/XXXX I received a text message from coinbase as part of the 2 factor authentication alerting me that someone was attempting to change my password. I denied the transaction and immediately tried to log into my account. I was not successful. The reset password option will only allow me to send a reset option to the original ( non-acessable ) email address. I have called and emailed Coinbase tech support since XX/XX/XXXXwhen this happened. I was told to setup a new account and submit the same authentication documents as I did with the first account. I did this, this time using my new email address. I have been told that this situation has been " escalated '' to someone who can help. NO HELP has happened. I have been locked out of my account and missed an extraordinary opportunity. I have watched the price of Bitcoin and Ethereum explode and now plummet!

I still have no access to my funds.

Company response to consumer: Closed with explanation