vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I previously filed a complaint against Equifax in regards to student loans that I have being serviced by XXXX XXXX XXXX. The issue was addressed and the accounts were corrected accordingly. 2 of the loan sequences, which are private loans under the name XXXX XXXX, were corrected and now they are reporting inaccurate information again in regards to late payments. I 'm very upset about these changes and this is seriously affecting my credit score. I have included screenshots of the corrected reporting that was displayed on XX/XX/XXXX and the incorrect reporting that is now displayed on my Equifax consumer report last reported on XX/XX/XXXX. My student loan accounts with XXXX XXXX should be reporting 0 late payments as of today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
XX/XX/XXXX I did two transfer of XXXX every transfer so in total XXXX but in my coinbase account is XXXX when I call customer service support they told me that there was a delay in the SEPA transfer but XX/XX/XXXX I did a test with small among of money I transfered XXXX andi arrive one day later to my coinbase account. I am really scared because The service support told me that They do n't see the wires transfer from my side, but it is really weird because after the two transfer in my coinbase account in Method of payment appeared my bank account number and I have never put the data inside. The Ticket number that customer service gave me are XXXX. 
They can find more information about transfer documents with all the details inside. 
XX/XX/XXXX I talk with my bank and they are claiming to his bank ( XXXX XXXX XXXX ) the transfers what I did because the answer of Coinbase is that both transfers never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Submitted an application for Personal Loan at local Wells Fargo Bank on XX/XX/XXXX for the amount of {$80000.00}, provided ALL requested documents. 
Application has be denied and I 'm not getting any answers as to a reason for denial. 
My personal tax returns show Adjusted Gross Income of over 220, 000.00, I have no mortgage, all my cars are paid off in full, my credit cards are paid in full every month.

My credit score shows XXXX, my current accounts is Wells Fargo Bank holds over 80,000. 
With all that information Wells Fargo claims that I do n't have enough income or assets at Wells Fargo Bank, they claim that amounts owed are too high relative to my income, and they claim my income ca n't be verified. When I asked about what amounts I owe and who I owe to, and how is it that you ca n't verify my income ( provided XX/XX/XXXXand XX/XX/XXXX Federal Tax returns ) I was told to leave it alone as underwriter already made his/her decision and there is nothing I can do about it. I feel that this is racial profiling, anyone who takes a quick peek at my last name realizes that I am of XXXX heritage and it seems that folks at Wells Fargo ca n't stand a somewhat successful XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scheer, Green & Burke L.P.A.
State: IN

Complaint narrative:
received letter in the mail telling me that I owe {$140.00} from : Scheer, Green & Burke , Co. L.P.A. 
File no. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: TX

Complaint narrative:
I have called and faxed Transunion several times and they refuse to remove inquiries on my report related to idenitity theft. They are infringing on my rights covered under the FCRA. I have reattached my Identity Theft form that I sent to them. As a summary, the following inquiries need to be removed as I gave no permission and my SSN was compromised : - XXXX XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX -XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - XXXX XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX - XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX -XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Please remove these fraud inquiries ASAP. I have asked several times and have provided supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
i respectfully ask that all loans that are outside the SOL for Texas be removed from my credit reports ASAP.Please remove all loans that are outside the statue of limitation of 4-7 years ASAP. Thank you. This should be done on all CRAs. I have emailed several times and it has been more than 30 days since my original request. Under the FCRA, you are legally obligated to respond. Please remove the student loans from my CRA reports immediately. They have been removed from XXXX, and should be removed from all others as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My name is XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX. I contacted this institution in regards of two charge off credit cards, they keep reporting it to the Credit Bureaus. They are in violation of the credit reporting LAWS they sent me a statement but never sent me confirmation of HOW these two accounts were actually initiated who did it, they MUST provide me with a signature of me OR even a picture ID of me to verify it was me in fact who opened these two accounts. I am going to be filing a law suit against XXXX if these accounts are NOT removed from " ALL '' credit bureaus within 15 Days of receipt of these complaint. They would take money out of my checking account to pay for those credit cards and if there was no money I 'd be locked out of my account something for which they already been sued in the past and I WAS NOT compensated at all. 
I demand for XXXX to either provide me copies of my signature or picture of my ID, if you can not provide either then you are in the obligation by law to remove both of these charge offs accounts from my credit report. ALL Bureaus. I do not want to ever do business with XXXX again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
They call and call almost daily ... .leaving no messages. I block the number and then they use another number. I researched them and they have lawsuits against them in other states. I am debt free and owe no money. They are calling for another person and are harassing me continually. I told them no such person lives at this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One website is down the majority of the time. They push web access and online payments, but then 9 times out of 10 you ca n't log in, getting an error that they are having issues. A quick XXXX search always shows dozens of others complaining of the same thing. I want to be able to make my payments when I want to, not waiting days on end trying to log in. This is an underhanded way that they are just trying ( and succeeding ) to make more interest from customers. This has been going on for several months. Today XXXX/XXXX/XXXX is the last straw. Want to log in and make payments on all 3 cards and can not. From experience calling - yes, you can call and make a payment, but that takes forever to get someone and then they want to charge a fee!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The company is from California so I know no one in that state I live in New York. This caller started in XXXX and calls were every other day. After two weeks I started to notice it was once a day I answered the phone and no one answered. This is now XXXX and I saw it 2 times a day and also in XXXX Now in XXXX three times a day. Today XXXX/XXXX/XXXX they called me at XXXX I answered and no answer. So I got the Number from my phone and called it. It was a collection company. I could not here the name because the woman spoke with an accent. I am not feeling well and I have had enough. I want this harassment to stop as I said they are calling me 3 times a day. The name of the company is called XXXX XXXX XXXX. I just called them again and a man answered I understood him and he said this is an attempt to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: GA

Complaint narrative:
I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the EQUIFAX breach. 

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
The aforementioned credit collection agency representing whomever your client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If CONVERGENT OUTSOURCING does not have any documentation, they need to retract this from my credit file immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: TX

Complaint narrative:
I noticed on my Experian report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
Well i refinance my home loan about 2 months after i purchase my home for a lower rate so this company the money source stated that it was a good thing that im refinancing my loan cause they where over charging me for my taxes on the home so it saved me about XXXX each month now after a year and a few months later my home loan with them went up almost XXXX XXXX dollars now they are telling me that my taxes went up so i need pay this amount to catch up with my tax bill and a few days later I get a call from another department of there company asking me do i want to refinance my loan so im like this was a scam all along. They new last year that my taxes where higher then first stated instead of contact me about the new tax fee are the real tax fee i was never contacted to adjust the monthly payment so i could stay ahead of a bad problem

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 2017-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: GA

Complaint narrative:
I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them. 

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize. 

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries. 

I am also a VERIFIED victim of the XXXX breach. 

I have TWO valid inquires. XXXX of XXXX and XXXX investors. THATS IT OVER THE PAST YEAR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: GA

Complaint narrative:
I have contacted all three major Credit Reporting Bureaus and have received the same answers from all of them about credit inquiries. Over the past 12 months I have had anywhere from 60 to 80 credit inquires on my credit reports. Fro some reason this did not set off any potential fraud alarms from any of them.

I started receiving multiple credit denied letters by the mailbox full and I pulled my credit. I contacted the agencies and I was told they were all authorized and for ME to contact each individual creditor that pulled my credit. WHY? Why should I have to spend hundreds of dollars for something I did not authorize.

I am a victim of ID theft and two fo the three credit reports are now locked. Yet, I am still getting hard inquiries.

I am also a VERIFIED victim of the XXXX breach.

I have TWO valid inquires. XXXX XXXX XXXX and XXXX XXXX. THATS IT OVER THE PAST YEAR

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed on my XXXX report that there is an address showing as mine that I have never used. I went online to try to have this inaccurate information deleted only to find I was denied the right to do so. Now I am getting an error when I attempt to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation
State: OK

Complaint narrative:
On XXXX XXXX I tried to withdraw funds from an ATM that was not my bank. The funds did not dispense but it was debited from my account. I immediately contacted customer service and was told it, they would send a form in the mail for me to sign and send back. I recieved the form on XXXX XXXX and faxed it back to the number stated on the form. I call today XXXX XXXX to check on the status and they say that they have yet to receive the form. I asked to speak with the dispute dept. but I can not the rep had to. So I was put on hold and when she returned asked for the fax number. Which I gave to her and was told that it was the wrong number. Now I have to fax the form in again and wait.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi. 
I applied to EXPERIAN ONE TIME CREDIT REPORT a month ago and I 'm trying to cancel ever since, Since I could n't they started charging me XXXX $ monthly. I wrote an email on XXXX XXXX to cancel it and never got a response. 
I do n't want the service, but I ca n't cancel it. Today is the 25th time I call in separate consecutive days, and they keep me waiting for more that 16:41 min, even though the answering machine says to wait between 3 to 5 min.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: AZ

Complaint narrative:
I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.

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