vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-27 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: TN

Complaint narrative:
XXXX XXXX did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.

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 2018-08-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus. 

The document below is the only documentation provided.

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 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
The creditor did not provide proper verification of debt. I have included what was sent to me.

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 2018-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
XXXX Reply XX/XX/2018 Confirmation # XXXX Exeter stated that the XXXX XXXX is XXXX XXXX XXXX in which XXXX XXXX XXXX on XX/XX/2018. Exeter Finance repurchased the account in XX/XX/XXXX and XXXX XXXX confirms that they notified the bureaus to delete there trade line. Exeter has different information on all 3 credit bureaus different amounts and stating that they sold the account to XXXX XXXX XXXX. wrong payment amounts showing {$73.00} as they reported to Equifax on XX/XX/2018 report. On XX/XX/2018 Exeter responded back to the Consumer Financial Protection Bureau on XX/XX/18 ( Case # XXXX ) that they in error made a mistake and repurchased the account back from XXXX XXXX systems as stated by the letter mail to me from XXXX XXXX XXXX   on XX/XX/2018 that Exeter repurchased the account. as stating on the credit bureaus Exeter states they sold the account to XXXX XXXX XXXX in which is in error by the letter I have uploaded as proof. 

Exeter has not cleared up the correct information on my credit reports and still after months has it as XXXX XXXX systems as XXXX XXXX. I have also filed with the US attorney office consumer complaints in Texas, PA, Nevada on Exeter Finance to the issues at hand and there reply back to the Consumer Financial Protection Bureau reply to the case XXXX there has been nothing but the run around with XXXX XXXX XXXX about there error they admitted to. All the transfer/sold is in error being they bought the account back so there should not show on none of my credit reports as Transfer/sold due to Exeter bought the account back from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
EXCESSIVE late fees/overdraft fees/NSF fees linked to three checking and 3 credit card accounts with Bank of America. In the past month, I have  incurred over {$1000.00} in fees and the bank is refusing to return nearly {$600.00} across all accounts with over a 11 year relationship with them, despite being told conflicting information from different reps. Many of the resulting fees are not even due to a fault of my own ( the bank ordering transactions to increase the amount of fees they can charge, cashing " bill payments '' BEFORE I the due date in online banking ) which have a snowball effect of EVERY OTHER TRANSACTION, resulting in the never-ending XXXX of fees. 

Additionally, I have been being charged ATM withdrawal fees and a hefty safe deposit box fee which are supposed to be membership " perks '' based on my accountI had received in the past.

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 2018-08-27 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XXXX-18 my lease with GM Financial was closed as a result of GM doing a buy back on my car because of mechanical issues. The account was paid off by GM when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from GM showing I have a {$0.00} payment and 0 payments left on my account. I called GM approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, GM reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with GM and have not recieved a response. I also contacted XXXX who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Select Management Resources, LLC
State: GA

Complaint narrative:
Excessive contacts daily, including calling references regarding my account. 
Threatened to repossess my vehicle.

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 2018-08-27 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: CA

Complaint narrative:
On XXXX-18 my lease with XXXX XXXX was closed as a result of XXXX doing a buy back on my car because of mechanical issues. The account was paid off by XXXX when the car was returned. I have all documentation showing that the lease was paid off. I am still receiving statements from XXXX showing I have a {$0.00} payment and 0 payments left on my account. I called XXXX approximately 1 month ago and they confirmed the account should be closed and I do not owe anything. However, XXXX reported that I am delinquent by 3 months on payments for an account that no longer exist. I filled a dispute with XXXX and have not recieved a response. I also contacted Experian who would not reveres the delinquent payment status even though I had all documentation showing the account was paid off in XX/XX/XXXX. I have never missed a payment on any type of credit. I have all documentation if needed.

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 2018-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ERC
State: IL

Complaint narrative:
The status open date for collection precedes the date provided by original creditor. Name of original creditor does not match what XXXX   XXXX XXXX XXXX claims the original creditor to be. Contact information being listed is matching to the original creditor [ XXXX ] which claims not to be the original creditor. Account number is being listed and displayed incorrectly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion has on my credit file as balance or money owed to XXXX XXXX Credit Card account showed by transunion # XXXX there is no balance owed or money owed on this account as stated by Transunion of {$490.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. Bank of America closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because Bank of America reporting.

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 2018-08-27 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I have an auto loan with GM financial and in the earlier part of the year, I realized that they were not reporting my account history to the credit bureaus so I contacted them and they told me they were updating their system and they turned their reporting off. So I wasn't pleased with that information so I reported them to the XXXX XXXX XXXX. Once that was done, I checked my credit report and saw that GM financial reported to XXXX XXXX but not XXXX, and I reported this to XXXX XXXX XXXX   in XX/XX/2018. I then disputed this with XXXX in XX/XX/2018, and received my dispute results on XX/XX/XXXX, so I checked and the history reported is still incorrect, it is showing my last payment received was in XX/XX/2018, which is incorrect, my last payment was XX/XX/2018. I want the correct information reported to all 3 credit bureaus, as a consumer, I expect this to be done accurately and timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXXXXXX XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and Early Warnings for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX  XXXX XXXX reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Internal Check Systems, LLC
State: CA

Complaint narrative:
Between XX/XX/2013 and XX/XX/2013 I deposited a check in my account in the County of XXXX XXXX California, from a third party. Check did not clear, maybe altered or stolen. XXXX XXXX  XXXX closed my account after freezing it an reported me to XXXX XXXXXXXX and XXXX XXXX for fraud activity or intent to commit fraud. For more than four year I have not being able to open a checking or savings, personal not business for my corporation with any financial institution because XXXX XXXX XXXX reporting.

Company response to consumer: Untimely response
Consumer complaint received 2018-08-27 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: Navient Solutions, LLC.
State: ME

Complaint narrative:
I Sent a letter and legal documents to Navient regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: ME

Complaint narrative:
I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to

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 2018-08-27 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: EQUIFAX, INC.
State: ME

Complaint narrative:
I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-27 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
I Sent a letter and legal documents to XXXX regarding an old school loan from 2007 that I was not aware of and questioned what they did for fact checking upon applications with so - called co-signers. My credit report has reflected for over 10 years a charge off that has lead to many other denials of credit over the years for a student loan application I never agreed to

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 2018-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Harley Davidson Financial Services Inc
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I visited a Harley Davidson event in XXXX XXXX Florida and I was not looking to buy a bike. I was there for the event and I told the salesman I was not looking to buy a bike and I was only there for the food and drinks. He continued to try and convince me to ride a motorcycle and I said no. I have been drinking I am only here for the event he would not let up continued to than tell me about a .09 % interest rate telling me I could qualify for a buy back on my bike and could save a lot of money to trade in my bike. I finally said okay if I can save money sure ill check it out. He Then proceeded to fill out a credit application and asked me for my licence and told me to sign it. I told him I am currently in the middle of a home refinance and I said never mind i do not want to risk it. He than convinced me that it would not effect my home loan and that it was only a soft pull. " I have a text message from the salesman stating it was only a soft pull ''. The salesman than handed me a beer told me to relax. After the application was filled out they than tried to get me to sign another form stating they would not pull my credit unless I agreed to buy the bike. That's when I said no I am done do not pull my credit and I am not signing this and I left. realizing an hour later they kept my licence and when I returned for my licence the salesman greeted me outside and handed it to me.The next day I got a notification that Harley did a hard pull on my credit. I than texted the salesman and asked if they pulled my credit he said yes we did a soft pull. I than asked why they pulled my credit after they said they wouldn't and we decided no on the deal. he said you signed the paper. They did not have my permission to pull my credit and they did it anyway and they did a hard pull I believe because they where angry with me that i was not intoxicated enough to do what they wanted. I also believe the credit was pulled after I left the building. I believe they hold these events with alcohol in order to coerce people into buying a bike.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: ME

Complaint narrative:
I called to pay an old debt on XX/XX/XXXX from an old bill I found from XXXX. I was unaware it was in collections and paid it through the company in which I owed, which was XXXX. I paid the debt on XX/XX/XXXX over the phone. I received an alert on XX/XX/XXXX that an XXXX makes Harris and Harris submitted an unpaid collection in the amount of XXXX for XXXX which I had already paid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX I initiated a buy for approx. XXXX dollars ETHeruem. My Bank refused payment and the ETHeruem was returned to coinbase bringing any debt with them to XXXX. They blocked me buying on their platform but explicitly told me in a support ticket that I could use their wallet no problem. On XX/XX/XXXX and XXXX I deposited approximately XXXX Ethereum valued at {$1200.00} dollars at that time. When the price rose to approximately {$1600.00} dollars I went to withdraw them so I can sell them on another regulated exchange. But I was blocked from withdrawing. I contacted support and explained the situation and said this is essentially theft by locking my money away from me for an unrelated settled matter after I was informed that I would not be a problem. 

There Language has no ambiguity and I attached the emails and support tickets that clearly state I can use the wallet prior to my deposit in it. 

I believe coinbase is going through a large growth period and use this guise of an excuse to use my funds to make even more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a loan with BK OF AMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and BK OF AMER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.

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