vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-08 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
At the end of XX/XX/XXXX I advised personal Finance that I was in the process of filing chapter XXXX bankruptcy and the account that I had with them would be included in the bankruptcy. At the advice of my attorney I was to stop all payments to Personal Finance. On XX/XX/XXXX Personal Finance obtained a judgement against me in the amount of {$990.00}. On XX/XX/XXXX the paperwork for the chapter XXXX bankruptcy was filed by my attorney. The proper documents were sent to all of my creditors and Personal Finance filed a claim of {$990.00}. Up until XX/XX/XXXX Personal Finance has reported the account balance to XXXX as {$0.00}. On XX/XX/XXXX XXXX XXXX notified XXXX that the balance increased from {$0.00} to {$1200.00} which is incorrect. They also marked the account as charged off/written off as bad debt as of XX/XX/XXXX. Per the bankruptcy law the account should be reported as closed with a {$0.00} balance. Since filing bankruptcy the trustee has sent Personal Finance a total of 5 payments that total {$88.00} which would bring our remaining balance down to {$900.00} NOT the {$1200.00} that Personal Finance is reporting to XXXX. It appears that Personal Finance has continued to charge interest on the account even though the account was included in the chapter XXXX bankruptcy which is a direct violation of the bankruptcy law. I demand that this inaccurate information be removed from my credit report immediately. My credit score dropped 35 points because Personal Finance inaccurately reported an account balance and a derogatory remark of charged off as bad debt. This account was not a charge off prior to me filing bankruptcy and shouldnt be reflecting as such.

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 2018-01-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a repeat complaint. Equifax initially responded that they were investigating and getting back to me with results. This was on XX/XX/XXXX. As a result, that complaint XXXX was closed. I never heard one word from EQ. I then submitted it again on XX/XX/XXXX Complaint XXXX and no response to date. I first started this dispute in XX/XX/XXXX. All records have been attached. I d need these three accounts to report on my EQ reports. One of these disputed accounts did show up very briefly only to be taken off yet again after approximately four days. I 've been treated so unfairly and ignored. 

The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. On XX/XX/XXXX EQ  Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2. XXXX 3. XXXX XXXX XXXX. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. EQ Report XXXX Begins the non-reporting of my AU accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an AU. I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was told I could change the date of my loan payment after the first payment was made so I called the agent as I was directed to and I set it up with a woman sadly to say I do n't remember her name but I 'm sure they would have some kind of record of it I told them I want to move my pay date to the XXXX and unfortunately that did not happen I 've been having problems with this loan company credit union since I bought the car they do n't have my right birthdate my maiden mother 's maiden name is wrong it 's been a complete nightmare so thinking I 'm making my payments on time with the 10-day grace. Actually it looks like I was late on my payments that is ridiculous and I 've talked to several people at the Golden 1 and last time I talked to somebody they said they took care of it obviously not because my credit score drop drastically. Also I had an incident with the water company where my mail was stolen and I had no idea that the bill was due super busy and it 's the last thing I even ever expected the previous tenants went down to the post office and put some kind of vacation hold on our mail and of course being very busy it just weeks went by and sadly to say I was n't keeping track and she was collecting our mail so again another late charge

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 monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP
State: OR

Complaint narrative:
I canceled my checking account ( XXXX ) with Key Bank, and system problems at Key generated numerous checks to myself and my wife, even though the account had been closed. I returned the checks, spoke with two bank managers in an attempt to stop the printing of any further checks. After two bank managers assured me that the problem had been resolved, and all NSF charges had been reversed, I thought the matter was settled. 
About a year afterwards, I received a notice from XXXX on XX/XX/XXXX that indicated I owed {$160.00}, a delinquent collection notice. This was the first such notice. 
Key Bank has agreed to pay the delinquency, but as of XX/XX/XXXX, I do n't see that they have paid the {$160.00}, nor have they recompensed me for the drop in my FICO score, caused by their errors. 
It seems strange a closed account could generate the problems precipitated by IT problems at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I sent Bitcoins ( BTC ) and Bitcoin Cash ( BCH ) from Binance exchange to Gdax ( Coinbase ) on XX/XX/XXXX and XX/XX/XXXX. Even though emails and coinbase log shows that it arrived and was deposited to GDAX, my GDAX account is not showing the coins. Multiple emails, cases, phone calls, but no customer support what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Pop up on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2018, I withdrew XXXX BTC from XXXX and transferred this amount to GDAX- owned by Coinbase . I still have not received my BTC. There is NO response from support, even though I have sent 3 emails asking for help. I have transferred coins and fiat for many months between exchanges around the world. The longest time it has taken has been 4 hours. GDAX states it will take 24 hours- it has now taken almost 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: West Central Texas Collection Bureau
State: TX

Complaint narrative:
Charges from former apartment in which they ca n't provide the reason for charges. Claimed its all lost

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
Pop up on credit I wasnt aware of this Debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I transferred {$15.00} USD to gdax.com. Their process is to first transfer it to their sister site coinbase.com and then transfer it to gdax.com. The funds were taken from my bank account and deposited to coinbase on XX/XX/XXXX and have been pending a transfer to gdax since XX/XX/XXXX. I have sent them 3 emails requesting an eta on my money but I only get a generic response. My last request was sent on XX/XX/XXXX and as of now I have not received a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: NC

Complaint narrative:
I have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.

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 2018-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: NC

Complaint narrative:
I have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.

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 2018-01-08 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: NC

Complaint narrative:
I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

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 2018-01-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a late payment showing on my XXXX account and my XXXX card neither of which have been late.

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 2018-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GULF COAST COLLECTION BUREAU, INC.
State: KY

Complaint narrative:
I have been in Kentucky and did not open an account in FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: TN

Complaint narrative:
XXXX XXXX/XXXX is reporting incorrect information. I spoke with a representative on XX/XX/XXXX named XXXX ' and she stated that although they updated their information as paid, they DO NOT HAVE TO REPORT THIS TO THE BUREAU. XXXX has removed the account, but it is still showing on XXXX and Equifax. This account was sold to another lender, so it is technically showing TWICE. 

Account infom is XXXX XXXX/XXXX XXXX XXXX Account no. XXXX .... amount XXXX sowing late from XX/XX/XXXX through XX/XX/XXXX and this is INCORRECT. This is my sixth complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: EdFinancial Services
State: TN

Complaint narrative:
The following Student loan accounts are reporting late and therefore showing negative on my XXXX REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.ED Financial XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. ED FINANCIAL XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 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: TN

Complaint narrative:
The following Student loan accounts are reporting late and therefore showing negative on my EXPERIAN REPORT. XXXX and XXXX have updated and corrected the items. It has gone past the time that was stated for the information to be updated. Some were updated but TWO are still reporting negatively. 

1.XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4300.00} 2. XXXX XXXX XXXX Original Creditor - Company Sold - Account Type Education Loan Date Opened XX/XX/XXXX Account Status Closed Payment Status Account transferred to another office Status Updated XX/XX/XXXX Usage - Balance - Balance Updated XX/XX/XXXX Original Balance {$4200.00} Monthly Payment - Past Due Amount - Highest Balance - Terms 116 Months Responsibility Individual Your Statement - Comments Account closed due to transfer or refinance XX/XX/XXXX THROUGH XX/XX/XXXX IS REPORTING PAST DUE. THESE ACCOUNTS WERE IN DEFERMENT DURING THE TIME AND HAVE BEEN CONFIRMED BY LETTER THAT WAS SENT TO ME. BUT ACCOUNTS HAVE NOT BEEN UPDATED YET.

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 2018-01-08 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: TN

Complaint narrative:
1. XXXX XXXX XXXX XXXX You 've paid off 100 % of your student loan amount. 
Balance {$0.00} Highest Balance {$26000.00} Monthly payment {$50.00} Opened XX/XX/XXXX ( 11 yrs, 6 mos ) Term 120 months Payment History Youve made 45 % of payments for this account on time. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last payment XX/XX/XXXX Current Payment Status Current Worst Payment Status 120-149 Days Late Account Details Account status Closed Type Student Responsibility Individual Remarks Dispute resolved ; customer disagrees Worst payment status 120-149 Days Late Times 30/60/90 days late

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 2018-01-08 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: TN

Complaint narrative:
THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I CONTACTED THE COMPANIES AND ASKED THEM TO REMOVE THEM. I WAS TOLD THAT THE CREDIT BUREAU NEEDED TO REMOVE THEM. 

1. XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX 4/ XXXX XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5.  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) 5.XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX 6. XXXX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards

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 2018-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
I sent money to Coinbase Inc to purchase virtual currency, and to that point it 's worked fine. I now wish to withdraw funds but they have not validated by bank account to make the transfer back to me. 

To validate they require you to send a SEPA transfer of at least XXXX euros, and they say they will validate your account within 2 days of receiving the funds and then you 'll be able to make withdrawals. 

I sent the SEPA transfer on XX/XX/XXXX, I received an email from them confirming their receipt of the funds and it 's currently showing in my Coinbase wallet as received, but they have still not validated my account, so I still can not withdraw funds. 

I 've sent 2 customer service requests to them with issue numbers : # XXXX and # XXXX. But to date they have not responded. I 've tried contacting them by twitter too but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
My credit report shows XXXX XXXX XXXX I had credit cards opened under my name without any authorization. They keep reporting to XXXX and XXXX I need this removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting on my credit reports a collections account that is not mine I never opened credit cards with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo dealer services keeps reporting an account that is very old from 2006 andhas already been settled!

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 2018-01-08 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: CA

Complaint narrative:
XXXX XXXX Experian and XXXX shows collections accounts and credit cards I did not open XXXX credit card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 accounts XXXX XXXX XXXX XXXX Ive tried to dispute I havent got anything fixed

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