vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-21 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: NJ

Complaint narrative:
I have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XXXX XXXX, XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XXXX to XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: NJ

Complaint narrative:
I have a DISMISSED CHAPTER XXXX BANKRUPTCY ON ALL MY CREDIT REPORTS. It was filed mistakenly an attorney ( I onced used for a real estate closing ), on XXXX XXXX, XXXX. It was filed and there was no follow up at all with the bankruptcy court at all. It shows on all my credit reports dismissed with a balance of {$0.00}. I asked my attorney why did you file the bankruptcy, he tells me that he believes he did not do it, which I believe he did by accident. Of course, the attorney is protecting himself even though his name is on the paperwork with the court. I have a good to excellent credit for a long time. My scores are in the range of XXXX or better. When ever I apply for credit for credit cards, car loan or a simple furniture loan of only {$1000.00}, I always get denied due to a bankruptcy appearing on my credit reports, even though showing its dismissed with a {$0.00} balance. It is really frustrating my life especially as a newlywed as I am struggling to start a family with my wife. I definitely do not deserve this and it is not fair when I have been always a 100 % excellent with all my creditors. This Bankruptcy is scheduled to appear for 7 years on my reports, XXXX to XXXX. I CAN NOT afford this for another 5 years disrupting my life moving forward. I have tried numerous times with the court, the attorney and the credit bureaus to solve this issue and all I get is the run around with no success removing the mistakenly filed bankruptcy.

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 2018-01-21 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Many inquiries reporting on my credit report that I did not give written or verbal consent or permission to make a credit inquiry. I did not apply for credit services, sign an application, or give an affirmation consent to pull my credit report or otherwise indicate that I 'm applying for their services.

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 2018-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I applied for a line of credit from XXXX XXXX XXXX XXXX Bank at was declined saying my score was XXXX.But through XXXX XXXX it 's showing over XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, which has reported negative information on my credit report regarding a Perkins Loan from XXXX college which was paid by the US Dept. of Education on XXXX of 2015. 

Heartland misrepresented themselves as being the Dept. of Education on the credit report, which is fraud. 

I informed XXXX XXXX that this was a fraudulent debt, however, the agency still continues to collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: FL

Complaint narrative:
XXXX XXXX and Equifax I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 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: FL

Complaint narrative:
DENIED CREDIT DUE TO XXXX XXXX, EQUIFAX, AND XXXX CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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:
DENIED CREDIT DUE TO XXXX XXXX, XXXX, AND EXPERIAN CLAIMING I HAVE HIGH RATIO TO BALANCE CREDIT LIMIT AND LENGTH OF CREDIT ACCOUNT OPEN

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 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX Forgot date Tried to make settlement but they asking more then I can effort

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 2018-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have submitted several investigations to remove fraudulent accounts from my Equifax credit report. XXXX and XXXX has removed these fraudulent accounts that do not belong to me. I have also submitted a police report identifying that I was a victim of identity theft. The following accounts are fraudulent and they do not belong to me : -XXXX XXXX XXXX of XXXX XXXX XXXX -XXXX XXXX A XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Apparently on XXXX this company, Convergent Outsorcing, is report to the 3 credit bureaus that I owe them {$660.00} on behalf of XXXX. I never agreed to this. They are critically impacting my credit which has in returned had me denied for certain things. I have reached out to them and disputed it mutliple times, so I am now taking this extra step to get this resolved. Please help.

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 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: WV

Complaint narrative:
I obtained a personal loan in XX/XX/XXXX. The original loan amount was suppose to be {$1000.00}. Yet when I went in the lady told me I was approved for {$5000.00} and that she could n't change it to the amount I requested. She used items that I did n't own in order to show lots of collateral. The loan became past due in XX/XX/XXXX. Since then I have received calls from multiple XXXX XXXX locations and representatives. When they began calling I told them that I could n't receive calls during my work hours, M-F XXXX. They consistently called during those hours. Not once mentioning that this was an attempt to collect a debt when I answered. Then they began calling from multiple local numbers all day. I couldnt distinguish their calls from business calls, interrupting my work day and placing me at a huge risk of losing my job. One representative named XXXX called I stated to her I was at work. I had a call coming in from my landlord and I had to go back to work. She stated what you owe them money too. I told her that she had no reason to make assumptions. When I asked for her name she would n't provide it. I had to call all the numbers they called from until I reached one who told me her name. Although the name provided is a nickname. I 've told them multiple times to not call during business hours. Once I threatened to sue they called before XXXX XXXX on occasions which is also illegal. They also called after XXXX, three times in one hour and still continue to do so. They even called my mother whom they were not given permission to call disclosing my personal information and my debt that I owed them. I 've asked repeatedly for them to not call yet they continue. I 've asked for them to identify themselves and they do n't. Then they jump right in to you owe thousands of dollars and to pay it now. I tell them I dont have it they state well we will keep calling for collection efforts. All in the meanwhile never once saying that this a debt collection effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Credit was submitted to my score damaging it, I have never had an account with XXXX or XXXX, I called the collector last week and they irresponsibly could not identify the information, the user who stole my identity does not have SSN in their records. But they erroneously assigned the debt to my account, without having correct information. My identity is being used by mistake affecting my amazing score.

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 2018-01-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
amount was paid immanently after contacted. Prior to being contacted i was under the impression my dead line was at a further date.

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 2018-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
X/XX/2018-X/XX/2018. Hello due to returns and online payments I was shown to have an available credit of over {$4200.00}. It said that I still had a balance due of {$140.00} but that never updated and posted correctly. I made purchases on the XX/XX/XXXX of {$280.00} at XXXX, {$370.00} for insurance, a little over {$20.00} on gas, and another {$17.00} on a video service. Now it is showing that I have an available credit of {$3100.00}. I spent close to {$700.00} not {$1000.00}. 

I have tried calling the bank multiple times and they said I could n't have credit over {$4000.00}, but I know what I saw. They also said they charged me {$140.00} even though that should have been paid off due to payments and refunds. They are always late when posting transactions so the available credit never seems to match up with balance allowing them to take extra money!

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 2018-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
I feel as though I should not have been approved for this loan. Its an extremely bad loan that Im in and Im needing to give the car back. The income calculated for me was incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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:
amount was paid immanently after contacted. Prior to being contacted i was under the impression my dead line was at a further date.

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 2018-01-21 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: FL

Complaint narrative:
Trans Union and XXXX I explain to them that these accounts are not minds they never send me proof of any identification on these accounts even one of them that is an auto car that I never owned I told them to send me A copy of a picture ID purchasing this vehicle and these accounts and addresses all they did is send me an address that I never lived in

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 2018-01-21 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: MI

Complaint narrative:
Recently I requested an investigation through Equifax regarding inaccurate information on my credit report. The Equifax report shows that I have a past due balance of {$2600.00}. This is an error. The loan was restructured on XX/XX/XXXX bringing the account current. The Fair Credit Reporting (  FCRA ) requires information furnishers to conduct a reasonable investigation with respect to the disputed item. Equifax reported the results of their investigation on XX/XX/XXXX with the error not being fixed. I do not believe Equifax did a reasonable investigation with respect to the disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XX/XX/XXXX I transferred XXXX euro to my Coinbase wallet. On XX/XX/XXXX I received a message that my deposit would be reversed, because " the name of the bank account does not match the name entered on the Coinbase account ''. Coinbase claimed the funds would be returned to the sending bank within 1-2 business days. 

By XX/XX/XXXX the money still had n't arrived at my bank account, so I filed a support ticket, asking when the XXXX euro would arrive. I only received a auto-reply from support. 

On XX/XX/XXXX the money still had n't arrived, so I called their support number and I talked to a support employee called XXXX. I shared with him multiple screenshots as proof of the situation. He told me he was unable to resolve the problem and that my ticket would be escalated to a specialist. They would follow-up with me, as soon as they had an update. Support ticket numbers are # XXXX and # XXXX On XX/XX/XXXX I responded to the ticket, asking for a status update, but still have n't heard back from them and the money still has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
American Express - Platinum Delta Credit Card Promotional Offer I enrolled in XX/XX/XXXX to receive a promotion of XXXX delta bonus miles and XXXX XXXX. I qualified for the promotion in the first month. I called on XX/XX/XXXX to inquire as I still did not see any points in the Delta accounts. They opened an inquiry and said it could take 6-8 weeks to resolve. I 've called back twice since then ... since I had not heard anything from them. On XX/XX/XXXX I spoke with a manager, I learned at that time it was a broader issue affecting other card holders. This concerned me because this is the first I heard that ... why are they not proactively informing card holders affected. I requested my annual fee be waived as they did not hold up to the services we agreed to and in addition the interest and opportunity cost they have caused me ... I was denied. About 6 or 7 weeks later they still have no update or time frame in which I can expect a resolution. I am using this tool to file a complaint as I could not find a way to do so within American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: CO

Complaint narrative:
I received a letter from Equifax stating I had three negative items added to my credit report last year with a form they stated if I used would expedite receipt of my credit report. I completed the form and returned it using the address on the form they to mail it to. It was returned to me as undeliverable and I still have not received my credit report. 

The address on both the form and the envelope the form was mailed in is : Equifax XXXX XXXX XXXX XXXX, GA XXXX I have since requested my credit report from all three credit reporting agencies and I thought you should be aware of this problem with Equifax given their recent problems. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX I can not copy the documents because I am handicapped and do not have a full time care giver and can not enter the room where the printer is located. 

However, if you will provide me with your postal service I can and will mail them to you.

Company response to consumer: Closed with explanation