vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXXI was unable to log into my Coinbase Account. My phone had reset and didnt save my email address for my account. Therefore, I dont know the email address I used for my account but Im able to verify to Coinbase support all the information on that account thats verifiable. ( Driver license, banking information, phone number etc ) I contacted Coinbase Support and created a case #. I got an automated response back and thats all. Ive tried contacting them multiple times over the past two weeks and get nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Phoenix Financial is unlawfully changing the amounts of debts that have been removed from my credit and resold. They are denying that they are inaccurate. I have received two charges of the same debt from them. I called the creditor and the employee told me that XXXX is their client and admittedly verified what I knew. My dispute with the credit reporting agency was denied as well as the my dispute with the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They are contacting me in regards to debt that is beyond 7-10 years.this debt has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I had already faxed Equifax my documents for proof that I am me. They refuse to do anything to fix this XXXX and are now telling you guys Im not the recognized account holder or authorized representative?????

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
Toyota Motor Credit XXXX XXXX disputed item for {$3000.00} XXXX XXXX sent debt validation letter XXXX XXXX mailed certified letters information about debt XXXX XXXX mailed letters to attorney general with log sheets of actions taken

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
These are the remarks that is invalid. I would like this to be deleted. 

XXXX OK OK OK OK OK OK OK OK 30 OK OK 120 90 60 30 OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK OK 30 OK OK 120 90 60 30 OK OK OK OK OK OK OK OK XXXX  OK OK OK OK OK OK OK OK 30 OK 120 90 60 30 OK OK OK OK OK OK OK

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2019 XXXX XXXX of XXXX XXXX fl passed away. I am XXXX XXXX the surviving spouse. XXXX had an american express account. " XXXX '' was an authorized user on this account. American express has that debt still listed on my credit report. American express told me on a phone call on XX/XX/2019 that i was not liable for this debt seeing how i was an authorized user. I filed a complaint through XXXX and they investigated and said that amex reported that I was still liable. The account was in XXXX 's name the amex last 5 digits of the account # XXXX. social XXXX. I tried talking to them but seems to be going on deaf ears. 

Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: VA

Complaint narrative:
My student loans transferred from XXXX to FedLoan Servicing in late XX/XX/XXXX/early XX/XX/XXXX. I have yet to receive notification regarding the number of qualifying payments I have made toward the Public Service Loan Forgiveness Program. I sent an email XX/XX/XXXX asking when I can expect to receiving notification regarding the number of qualifying payments. When my loans transferred, I submitted all signed Employment Certification Forms for all employers. I received a response from FedLoan Servicing on XX/XX/XXXX stating to please allow 70-90 days to complete the review. I submitted the same question to FedLoan Servicing again on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that each account must go through a detailed review process. I submitted yet another email asking the same question on XX/XX/XXXX. I received a response from FedLoan Servicing on XX/XX/XXXX stating again that each account must go through a detailed review process. I submitted the same question again on XX/XX/XXXX and received the same response from FedLoan Servicing on XX/XX/XXXX. As of today, XX/XX/XXXX, I still do not know how many qualifying payments I have made toward Public Servicing Loan Forgiveness for the Employment Certification Forms submitted when my loans transferred. I have only been credited for certification forms submitted after my loans transferred for my current employer. It should not take nearly two years to review my payment history. I even submitted the same information again, but I used the most recent Employment Certification Form for employers before my loans transferred. I still have yet to hear anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: CORELOGIC INC
State: TX

Complaint narrative:
I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and XXXX  on behalf of XXXX @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX   after reporting to XXXX XXXX XXXX XXXX that this debt was incorrectly being reported in the amount of {$5900.00} on behalf of XXXX @ XXXX. 

Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.

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 2019-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
I took a 16 ' fall from my deck on or around 2015. I went to XXXX XXXX ER  ( NC ). I had a {$100.00} Deductible & paid that at ER. Remaining bill 's are XXXX 's responsibility. I called the Hospital & they were working with XXXX. I called XXXX many times. The $ 500+ is comprised of 3 different bills. Each call the XXXX rep said I owe nothing & they would pay. They paid 1 of 3. I called XXXX again, oversight sorry & they'll pay. They paid 2 of 3. I called again, oversight sorry, on XXXX 's part, they said they will pay & I thought it was resolved. It is crazy the # of times I had to call XXXX. Then I received notices from a collection Agency. I have since had to go on XXXX & I have no records from that period of time, I lost my home & have had to move 4 times.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: TX

Complaint narrative:
I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, Experian, and XXXX on behalf of XXXX @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and XXXX section XXXX. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and Experian. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to Experian after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of {$5900.00} on behalf of XXXX @ XXXX. 

Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.

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 non-monetary relief
Consumer complaint received 2019-10-31 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: The CBE Group, Inc.
State: MI

Complaint narrative:
We signed up to have XXXX/XXXX services in our home. We moved because of a job change and wanted to transfer this service to our new home. We wanted XXXX service at our new home, but we were told we could not have service. 

Later, we received a bill for cancellation charges. We did not cancel ; XXXX cancelled our service because it was not offered in our area. We were not in breach of our contract. We wanted XXXX   service. We called customer service about the charges after receiving the bill dated XX/XX/2018 with the cancellation charges. We spoke to XXXX from the Billing Department, reference # can be provided. He assured us this would be taken care of. We went into the service center on XXXX XXXX in Wyoming, and called the customer service number again on XX/XX/2018 and spoke to XXXX. He assured us the matter was resolved and the charges would be removed, so we put the issue behind us. 

We started receiving calls from a collection agency trying to charge us the cancellation charges. The collection agency told us we had to dispute the charges with XXXX. We wrote the attached letter and received no response. 

In order to stop further problems with our credit report, we paid the {$660.00} cancellation fee and hoped again the problem was behind us. 

We recently refinanced our home and discovered there is " serious delinquency '' listed on our credit report because of this issue. 

Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and XXXX on behalf of XXXX @ XXXX for the last three years. IQ reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections IQ Data International, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, XXXX, and XXXX. In every instance IQ Data International furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) IQ Data International requested reporting remain the same to Experian after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXXon behalf of XXXX @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

IQ Data International has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have kept Equifax current with my personal information, including name changes and address updates. I recently wanted to unfreeze my account, but was denied access through the website, automated telephone system, and with the representatives. After the 4th person, I was informed that there is a name and address discrepancy. However, it was confirmed that the address and name I reported matched my online profile and what my creditors are reporting. The representatives at Equifax will not unlock my online account or help me via phone. I would like to temporarily lift the freeze so I can refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: TX

Complaint narrative:
The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to Transunion, XXXX, and XXXX on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies Transunion, XXXX, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX  @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.

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 non-monetary relief
Consumer complaint received 2019-10-31 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: TX

Complaint narrative:
The original creditor XXXX @ XXXX agreed to provide a letter as proof they do not have a debt can not verify such as they were sold. This is new. I am following up on my request to validate a debt that data furnisher XXXX XXXX XXXX has reported to XXXX, XXXX, and Equifax on behalf of XXXX  @ XXXX for the last three years. XXXX reported various amounts being owed on behalf of XXXX  @ XXXX to all major credit reporting agencies refusing to correct reporting even after admitting in writing to a state and federal regulatory agency ( please see attached response to CFPB and the Texas State Attorney Generals Office ) that the reporting was in fact a misrepresentation of the debt. This is in direct violation of Fair Credit Reporting Act, FDCPA, and TFC section 392. I have included the sections XXXX XXXX XXXX, XXXX @ XXXX, by proxy XXXX are in violation of below due to continued inaccurate false reporting of this information. Beginning in XXXX of 2017 I have requested twelve investigations into the reporting of this debt by credit reporting agencies XXXX, Equifax, and XXXX. In every instance XXXX XXXX XXXX furnished false supporting documents to bureaus to substantiate continued inaccurate reporting as further harm to my financial reputation. As recently as XX/XX/XXXX ( please see attached PDFs ) XXXX XXXX XXXX requested reporting remain the same to XXXX  after reporting to Consumer Finance Protection Bureau that this debt was incorrectly being reported in the amount of $ XXXX behalf of XXXX @ XXXX. 


Under FCRA, I have the rights to pursue damages as the false reporting of this debt for the last 3 years has caused irreparable harm to my credit and resulted in multiple denials of credit, leasing, and mortgages. 

XXXX XXXX XXXX has maintained that they are reporting this on behalf of the original creditor XXXX @ XXXX and by proxy XXXX. I contacted XXXX @ XXXX, they advised me they have no records of this debt and have been under new management for two years. As of today XXXX hasn't provided validation of this debt in the amount of {$5900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: SC

Complaint narrative:
Almost every day they call around XXXX. They use my wifes number to contact me and I have no idea how they got it. I have repeatedly told them to stop calling me but it doesnt help.

Company response to consumer: Closed with explanation