vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I purchased a new motorcycle from XXXX with XXXX XXXX for the loan in XXXX. I was fully covered with insurance for the vehicle and GAP insurance for the loan. The vehicle was totaled on XXXX XXXX. I notified XXXX of this the following week. My monthly payments were about {$160.00}. My insurance company sent a check for over {$4000.00} to XXXX, however, XXXX said I was late making a payment. My GAP insurance sent XXXX a check for the remainder of the amount owed on the loan. When I found out my credit score had negative remarks on it greatly lowering it, I called XXXX. They told me that since I did not pay them {$160.00} that my account was delinquent. They said even though the insurance paid multi-thousands more than the {$160.00}, it did not count since it I did not make the payment. Both my auto insurance and GAP insurance have paid the total of the loan within a couple of months, however, my credit is still damaged because of XXXX. I have been communicating with XXXX and have submitted to them all the documatation they have requested as soon as I had them, as well as other documentation from the insurance companies that their money is on the way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I spoke to the creditor XXXX whom now owns XXXX XXXX. Explaining I had moved away during the time frame in dispute. The account was reactivated as a result of identity theft. The company told me these facts, I agree. Therefore I am not responsible for any charges. 

The collection company has reported the debt in duplicate on my XXXX file and continually verified as accurate, violating the FCRA. 

The collection company has re-aged the false debt in its reporting as a matter of fact. 

The company has failed to act on my request to stop collection efforts and return the file to the creditor 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 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I wired {$12000.00} to my XXXX account on XXXX from my wife 's account at XXXX XXXX. It went out of XXXX XXXX on XXXX and was accepted by Coinbase/XXXX. They took the wire and then informed me via email that because my account was not in my wife 's name they would not credit my account with the {$12000.00} and would send it back within 7 business days. I then emailed them back asking to please talk to me to resolve this on XXXX and they have not responded. Case number was XXXX. 

After waiting the 7 days and then some, I emailed them again on XXXX asking what the status of the wire was. They responded with a canned email on XXXX that did n't specifically answer or help resolve my problem in the least bit. 

I told them if they did not help me I would continue to escalate the situation in that email. I do not believe they read my email but just sent a templated one that was crafted to alleviate the masses. Case number was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My TransUnion credit report continues to show 2 missed payments for the months of XX/XX/XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to TransUnion not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor TransUnion has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to Transunion for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX XXXX XXXX 
Inbox
Dear Mr. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, 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 non-monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BOEING EMPLOYEES' CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/2017 XXXX XXXX withdrew $XXXX from my acct at BECU after I used my debit card to sign up for a free one month trial that  I immediately canceled. 	 	From my BECU statement:
XXXX  POS Withdrawal - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Card Ending In XXXX	$XXXX	

This is the second time they have fraudulently charged me. And they have since, charged me the same amount every month in spite of:
1) I have asked BECU to block their access to my account.
2) XXXX acknowledges that I have never purchased anything or agreed to be charged for anything by them:
"email ----
from:	XXXX XXXX 
reply-to:	XXXX XXXX 
to:	XXXX
date:	Tue, XXXX XXXX, 2017 at XXXX XXXX
subject:	RE: [CASE:XXXX] Fraud
mailed-by:	XXXX
signed-by:	XXXX
security:	 Standard encryption (XXXX) Learn more
:	Important according to our magic sauce.
XXXX XXXX 
XX/XX/XXXX

to me

Hi XXXX,

Thank you for contacting XXXX Customer Care.

We understand that you have not purchased anything from our website and still your bank account is charged for $XXXX.

We have checked your account XXXX and unable to find any charges under your account. Hence we request you to let us know if you have any other registered email address with us so that we can investigate it further and help you better.

Please mention the case # XXXX in your future correspondence with regards to this query.

Regards,

XXXX XXXX

Customer Relations XXXX XXXX XXXX 

XXXX
This overseas company illegally withdraws and refuses to stop or acknowledge my attempts to contact them and my bank, BECU, aids them in this blatant theft. BECU refuses to stop this action in spite of numerous requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-18 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: AL

Complaint narrative:
I requested accounts from XXXX XXXX, XXXX XXXX and XXXX XXXX to be removed from my Equifax report. I sent letters in XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX certified mail. I have no knowledge of these accounts. I requested these accounts be validated, and proof of validation sent to me. I did not receive any validation of these accounts or any letter of investigation in 30 - 45 days. I finally received 2 reply letters stating the accounts were verified/validated. Credit File date : XXXX XXXX, XXXX, Confirmation # XXXX & XXXX File date : XXXX XXXX, XXXX, Confirmation # XXXX. I did not received any proof of validation with these letters as requested. 

I recently received another letter stating the accounts were verified/validated, with no proof of validation with this letter as requested also. XXXX XXXX date : XXXX XXXX, XXXX, Confirmation # XXXX. 

I have a XXXX XXXX on my Equifax credit report and my personal information was compromised also as a part of the recent Equifax Breach situation a few months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: KS

Complaint narrative:
My XXXX credit report continues to show 2 missed payments for the months of XXXX and XXXX 2016 for XXXX XXXX reporting as XXXX XXXX despite 3 disputes to XXXX not only by myself but also from XXXX XXXX General Counsel for XXXX XXXX requesting that the reporting reflect no missed payments as this is incorrect information. 

Despite receiving my personal disputes on 3 seperate occasions and 2 faxes from XXXX XXXX General Counsel XXXX XXXX  requesting correction to my credit bureau after 1 year of disputes by both me and the creditor XXXX has continues to wrongfully report this account to my credit bureau.

Below is a copy of an e-mail from XXXX XXXX General Counsel sent to XXXX for a 2nd time on XXXX-16.

XXXX XXXX 
   Reply all|
Wed XX/XX/XXXX, XXXX XXXX
XXXX XXXX 
Inbox
Dear XXXX. XXXX:
 
I confirmed that we updated your information via XXXX, which should go to all the credit bureaus.
 
Best regards, 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 non-monetary relief
Consumer complaint received 2017-12-18 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: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I was contacted by XXXX XXXX XXXX collection agency. Said agency made numerous violations of the Fair Debt Collections Practices Act, TCPA, and Fair Credit Reporting Act. I subsequently entered into a settlement agreement in which I agreed not to file suit for violations of said Federal Statutes as well my rights under the Kansas Consumer Protection Act they agreed that XXXX XXXX would remove any and all credit reporting for a lump sum payment. Said payment was made on my part over a year ago and they continue to report to my credit bureau as a charge-off account despite the agreement made by their collection agency in agreement for me not to file a civil action against both the collection agency and XXXX XXXX. 
Said actions are in direction violations of state statutes K.S.A. 50-623, K.S.A. 21-6503 and federal statues 18 U.S.C. 1030, 15 U.S.C. 1692e.

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 2017-12-18 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: WI

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: WI

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Collection agency placed a negative remark on my credit file that doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: HI

Complaint narrative:
I have a federal student loan through Navient and my first payment due was on XXXX XXXX, 2017,  with a total due of {$160.00}. I put a payment onXX/XX/XXXX with a total amount of {$210.00} but when I checked my account, I was charged late fees for my loans. On my account, the payment appears to be still processing but why did Navient charge me late fees when I put a payment before my due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: NC

Complaint narrative:
I have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!

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 2017-12-18 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: NC

Complaint narrative:
I have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: NC

Complaint narrative:
I have a reposssion on my credit file and I asked them to send me all documents validating the account is actually mine. They failed to do so!!!

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 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
The organization XXXX XXXX XXXX XXXX XXXX ( XXXX ) claims I owe them {$250.00}. I have never had any previous credit or debt with XXXX. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency Transworld Systems. As of XXXX XXXX, 2017 a letter states that I owed {$250.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: PA

Complaint narrative:
The organization Army Air Force Exchange Services ( AAFES ) claims I owe them {$250.00}. I have never had any previous credit or debt with AAFES. I have contacted the company many times asking to identify and provide supporting documents. They have failed to provide any information to support the fact that this debt is valid. For non payment they have sent this to a collection agency XXXX XXXX. As of XX/XX/XXXX a letter states that I owed {$250.00}.

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 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX and transunion have allowe XXXX XXXX XXXX XXXX XXXX to report false information and accounts on my credit profile. I disputed the items asked them for proof of validation and they sent nothing back but verified .You can see the accounts are fraudulent the same company is reporting two different account numbers for a auto loan open on the same date same year with two different amounts. Why would I one human being open a car loan and purchase two cars in the same day for almost the exact amount. It makes no sense the company is doing double damage by reporting the same one accounts twice and adding a fake account number on the same one auto loan with two different balances

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 2017-12-18 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: LA

Complaint narrative:
Experian and XXXX have allowe XXXX XXXX XXXX XXXX XXXX to report false information and accounts on my credit profile. I disputed the items asked them for proof of validation and they sent nothing back but verified .You can see the accounts are fraudulent the same company is reporting two different account numbers for a auto loan open on the same date same year with two different amounts. Why would I one human being open a car loan and purchase two cars in the same day for almost the exact amount. It makes no sense the company is doing double damage by reporting the same one accounts twice and adding a fake account number on the same one auto loan with two different balances

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 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 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: NJ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: NJ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX/XXXX/XXXX Attempted enabling linking for transfer of funds with XXXX, received the following message upon attempting to link the account : " Capital One is blocking you from enabling external applications You have the right to access your financial data. Encourage Capital One to fix this by contacting them ''

Company response to consumer: Closed with explanation