vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 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: GA

Complaint narrative:
Sir/Madam Equifax has admitted that my credit file has been breached. Equifax breach goes back for years. I know! Equifax keeps putting a freeze on my account for no apparent reason. XXXX XXXX XXXX. retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX Family Member.

They dont care who they XXXX over to save their brand. XXXX XXXX  is still with this trickery and foolery. I need to know what could be done to XXXX XXXX  and Equifax criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX   and Equifax against me.

They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were XXXX-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX and Equifax has a strong dislike toward Veterans, and XXXX XXXX Family Members.

They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this XXXX XXXX Family member. Please. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX  AND EQUIFAX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report.

My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in 2012. I will include my deed to my house. However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia.

Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? I have faxed my credit report, two police reports, and F.T.C. fraud affidavit to them. They are too stubborn. They are too crooked to satisfy the consumer. They are too more concerned about their brand at the expense of Veterans.

Sir/Madam this company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had 3 credit cards with Chase Card Services for several years. On one occasion it happened with 1 credit card that my payment got rejected by my bank where I had the checking account because of insufficient funds. Chase than made it impossible for me tomake payments on this one card in the future online. ( although I had paid off all the other credit cards and the balance there is XXXX now. ) I contacted Chase several times online but they never answered. They charged me late fees and interest and reported this negatively to XXXX, although I would have been able and willing to make payments on a regular basis.

I finally wrote them a certified letter return receipt requested ( asking them to make it possible for me again to pay the credit card electronically and take the late charges and interest and not to report the payments as late ) which they received on XX/XX/2018. They were however totally uncooperative and claimed they never received my e-mails, which is weird because I send them several. They also claimed that they sent me a letter telling me that I could no longer make electronic payments. I certify however that I never received such a letter.

I have to tell you that it was not the first time that I have problems with Chase .They caused problems 10 years ago too and only gave in when I contacted the office of the Comptroller of the Currency at this time.

Furthermore I had overpaid one credit card and they did not pay me back for 8 weeks until I told them to do so by certified mail.

Also they made a wrong report with XXXX reporting a credit card with a cc number as late, this is a cc number which I never had.

Please intervene.

If you need additional information please contact me at XXXX or XXXX Thank you for your attention in this matter.

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
Back in 2013 I had an account with XXXX and I wasn't aware the amount the I owed wasn't paid. I ended up going in collections, and the day I was in collections I had paid the debt off right away, the amount was around {$600.00}. It is currently still showing on my credit report, in which I understand it was my fault by not realizing it wasn't paid in the first place. This i really affecting my credit score, as I am currently in the process of a mortgage. In all fairness I did not receive any letters stating that I owed any money, otherwise I would have paid since I did not have an issue paying the full amount when I realized I was in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
Again I have the same issue with Navy Federal credit Union with my credit card reporting. I spoke with a representative on XX/XX/2018 and made my payment before XXXX XXXX  as they stated. I asked the representative, and I want the called pulled this time and Navy Federal to listen to it, if my payment was going to post for that day and she assured me that it would. I said okay. When my credit reported it did not show the paid balance. Again Navy Federal told me false information and the representative assured me that the payment would be applied the same day. Now when I receive my payment notice it will say I paid on the XXXX. I don't know why I keep having this issue with this company all of a sudden

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Received a call from " XXXX XXXX '' licensed process server of " XXXX  ''. According to a quick internet search, XXXX XXXX   impersonates himself as a " licensed process server '' of XXXX   XXXX, AZ and XXXX XXXX, GA while having offices located in " New York ''. XXXX XXXX refused to send a debt validation letter via US Mail and instead tried to send one via e-mail, which was simply typed up in Microsoft Word. XXXX XXXX claimed that I would be sued immediately if I did not comply and could face arrest and garnishment of wages for a {$190.00} debt that was from three bad checks, which I did not personally write. I explained to XXXX XXXX that I was not the person who wrote the checks and he subsequently told me that Certegy and their clients would not lose the money on this debt, and whether I wrote them or not, since I was the account owner, I would need to pay for the debt or face a lawsuit and that I should seek legal avenues to get reimbursement for the individual who defrauded me - although that individual is a drug addict and is transient.

XXXX XXXX   would not disclose his company address. He called me in XXXX telling me that I would be served the next day if I did not comply and no one ever showed up to my address. Two months later on XX/XX/XXXX I received another call telling me that I would be served again unless I paid the debt and that he could not work with me and would provide no information to me.

Apparently XXXX XXXX of XXXX also goes by the name XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: MD

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute at Experian regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from Experian stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted Experian customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX XXXXs stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' Experian is neglecting this proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX For - XX/XX/XXXX Personal Information : Names : Shows my name right and spell right on this Report.

Issue with Experian keeps adding wrong names and address and other various information on my credit report.

Experian Report # XXXX For XX/XX/XXXX Personal information : Names Shows on this report added 2 names XXXX XXXX & XXXX in which does not show on Report # XXXX -XX/XX/XXXX now I have these 2 names showing that have not ever been on my credit reports.

Experian keeps adding information after I request wrong information be removed.

It makes no sense to keep creating names and address on my credit files I have the last past reports and Experian keeps creating information on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Credit and Collection Service, Inc.
State: OR

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Capital Credit & Collection Service , Inc .

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Re : Acct # XXXXXX To Whom It May Concern : This letter is in response to your recent claim regarding Acct # XXXXXX, which you claim I owe {$870.00}.

Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation.

I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX SSN : XXXX Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: NJ

Complaint narrative:
I wired {$10000.00} from my bank to Coinbase on XX/XX/XXXX, which was supposed to appear in my XXXX  account immediately. Since then, I've called many times, each time they're telling me that a specialist will get back to me. I've also emailed many times to which nobody has replied. I've messaged them all over social media to no avail. It's now XX/XX/XXXX and I still have not been contacted by anybody, not even to say that my case will be looked at eventually. Please help me, that's all the money I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: TrueAccord Corp.
State: MD

Complaint narrative:
On XX/XX/XXXX, I submitted an online dispute at XXXX  regarding the account XXXX XXXX. My dispute was on the basis that as of XX/XX/XXXX, the account balance of {$840.00} was paid in full. I included my emailed receipt confirming this payment. On XX/XX/XXXX, I received an email from XXXX stating that the dispute has been updated. Upon review of the account, it now reports, " Account charged off. {$840.00} written off. '' Considering that the account was paid in full, the status should reflect that it was " paid collection. '' I contacted XXXX customer service on that date and was told that XXXX XXXX is denying receiving payment. I was also told that when disputes are initiated, the authenticity of the supporting documents are expected to be verified by the original creditor, thus they have the final say. This is ridiculous! Regardless of what XXXX XXXX is stating, I submitted proof that the account has been paid in full, therefore my credit report should be updated to reflect " paid collection. '' XXXX is neglecting this proof.

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 2018-03-09 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: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
I am filing a report against Santander consumer due to account is on my report after it was agreed to be removed on XX/XX/2018. 

I have sent a letter and spoken with several representatives, requesting for them to remove and which they agreed. 

However its still showing and reporting negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
Even though Trident Asset Management has admitted that the debt they are trying to collect never was mine, they continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I was locked out of my XX/XX/XXXXaccount on XX/XX/18. I waited a while since this usually clears up on its on but it did not. I called customer service and he told me he could not help me. He said he would send an me an email in which would explain how to get in touch with the appropriate department. I never received an email. I logged into my Coinbase app on XX/XX/18 and tried to buy some BTC. It prompted me to verify my identity, which I had done months before. I followed the process and received an email stating that I had been verified. But when I tried to make a purchase it gave me the same error. I verified again and received an email confirmation. But the app still said that my Buys had been disabled. I received the same message on the website.I contacted customer service who verified that I can not make purchases, but could not tell me why. She said she would escalate it and that was all she could do. She said someone would contact me shortly. Meanwhile I have USD sitting on XX/XX/XXXX that I can not access as well as roughly ETH and BTC. I would like to access my funds immediately but can not. I have heard numerous complaints from customers stating it took months and still no response from Coinbase. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The whole year of 2017 i had sent letters after letters to Experian and XXXX complaining to them that my files are crossed filed with my fathers, hes a Sr and I am a Jr.The item is a Repossession of acc # XXXX  that's reporting on my file and their response is that its been verified as mine. I've written numerous of letters stating that i need verification of the contract that was signed by me as the consumer with my social security number on the contract, but they have not produced no contract at this time. I am fed up and about to go file with my claim if this does not get resolved soon. I have already sued them before for what they have done to my reputation and about to do it again if this item does not come off my report with out verification. This has happen to me before with our files getting mixed up.I need them to provide me the burden of proof that i was the buyer of the vehicle when purchased with my signature and social security number on the contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: AL

Complaint narrative:
Like so many consumers throughout the USA, I am enslaved by the Credit Reporting Agencies Their intent is to keep consumers credit scores as low as possible and making it difficult to remove any negative items from their personal credit reports.

Experian is the number one choice of most Credit Card Companies and the number one violator of consumer rights under the FCRA. I like millions of others have worked for months and years of time and spent thousands of dollars to correct our credit reports. It would take pages and pages to document dates and actions.

I had finally got all of the incorrect information from my reports incurred by Identity Theft when I was hit by a rash of hard inquiries on primarily my Experian Credit Report. I had a 7 year Fraud Alert on my Experian report effective XX/XX/XXXX. Despite this 7 year Fraud Alert, Experian continued to allow hard inquiries.

I contacted Experian and spoke with a call center in XXXX XXXX  and a portion of the hard inquiries were removed. There remains some hard inquiries that is hurting and denying me credit opportunities.

The Hard Inquiries that Experian has not removed after disputes by phone are as follows : 1 ) XXXX Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ).

2 ) XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) 3 ) XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) If have not signed a credit application requesting credit from these companies and Experian violated the terms of my Fraud Alert.

Unless Experian has a signed and dated Credit Application they must be removed. XXXX XXXX XX/XX/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