vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-10 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: IL

Complaint narrative:
I called Transunion and notified them of being a victim of their inquiry issue and told the representative that all the inquiries before XXXX where removed but than put back on my report he than proceeded to tell me it was nothing he can do. I wasnt notified or anything about these inquiries being put back on my report and its not right.

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 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
**This Complaint is not a Duplicate** Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, XXXX, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROYAL UNITED MORTGAGE LLC
State: TX

Complaint narrative:
My husband and I applied for a refinance, loan with Royal United in XXXX and went through the whole process. paid an appraiser sent by and picked by the company that cost us {$440.00} on a credit card that we did not have to spend. we were assured the loan would go through and simple as long as house passed appraisal. We were denied because the mortgage company said when we refinanced in XXXX with another lender they added him to the loan and not the deed. So we were denied and out the money that put us further in debt. My husband was sick and in and out of the hospital. he XXXX XXXX in XXXX. I had a supervisor call still trying to get this loan approved. I told him my husband passed away and we did not need to go forward. Royal United just sent me a new email still checking our credit and trying to push this loan through. I sent them two more emails asking them to stop trying to get me a loan I did not want. I was upset with the company for not explaining all up front and telling us we could lose the appraisal money if we were not approved. this whole situation added and caused undo stress we did not need.

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 2018-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: VA

Complaint narrative:
On, XXXX/XXXX/16, XXXX withdrew {$65.00} from my XXXX XXXX checking account in an authorized direct debit transaction. I have tried to resolve the issue with both XXXX XXXX and XXXX with no luck. 

I would like a refund of my {$65.00}

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 2018-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
This company is the second mortgage lien holder on our home and do not have or will not provide a copy of the mortgage note to the first lien holder at my request. They were contacted in the beginning of XXXX XXXX with a request for a subordination and a copy of the note. The first lien holder paid for the documents on XXXX XXXX XXXX and received the subordination in late XXXX. We are still waiting for them to receive a copy of the actual note. When I call them time and again, I am placed on hold for extended periods of time then told to call another department and get the same results. 

If this company does not have a copy of the note, what are our options? I understand that by law, they have to have a copy on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I sent a bank wire on XXXX XXXX in the amount of {$22000.00} to Coinbase. After several days I contacted them through their website ( recommended by Coinbase for complaints ) I have yet to receive my money credited to my account nor have the sent my funds back to me. It is now XXXX XXXX. 

My bank XXXX XXXX bank contacted their bank, XXXX XXXX Bank and their wire dept. and their wire/operations dept. confirmed that the {$22000.00} was posted to their ( Coinbase ) account on XXXX XXXX. That being said, wheres my money? 

As of XXXX XXXX my bank issued a wire reversal and reached out to Coinbase two different times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Google Compare Credit Cards Inc.
State: OH

Complaint narrative:
XXXX HAS BEEN CALLING REPEATEDLY FROM RANDOM NUMBERS ATTEMPTING TO MAKE ME PAY FOR SERVICES THAT WERE NEVER RENDERED BY THE COMPANY. THE NUMBERS HAVE BEEN ADDED TO A BLOCK LIST BY THE CELL PHONE PROVIDER BUT THE NUMBER CONTINUE TO CHANGE AND IT IS IMPOSSIBLE TO BLOCK ALL OF THE NUMBERS THAT ARE BEING USED BY XXXX WHEN THEY ARE CALLING INTO XXXX 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 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I received a phone call from ( XXXX ) XXXX. I answered the phone and a male voice answered. He asked for XXXX XXXX and I said yes. He then began to say that he had information regarding a financial matter but needed to verify my identity before he could proceed. He then asked for the last 4 digits of my social security number. I asked what it was in regards to, because I was not comfortable giving out that information over the phone to a stranger. He responded again that it was for a financial matter but he could not yet tell me without confirming my identity. He then stated that he had my full social security number on file in front of him and then recited the last 4 digits asking me to confirm. He then proceeded to recite my entire mailing address. I asked if he was so unsure of my identity that he could not tell me why he was calling, why did he feel that it was okay to give out my social security number and mailing address over the phone. He responded that it was their policy to confirm identity that way, and told me that nobody could do anything with just the last 4 of my social security but agreed that my mailing address should be private. I asked for the name of the company and he responded Dynamic Recovery Solutions. I got very angry and told him that he should not be giving out my personal information over the phone, what if it was not me then they would have my information, and I told him that I would not be continuing the call and that I would be filing a formal complaint. I find it very discomforting that a company with access to sensitive information has a policy in place where it can be so readily shared over the phone.

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 2018-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: VA

Complaint narrative:
On XXXX/XXXX/2017, {$300.00} was direct debited out of my XXXX XXXX Checking account by XXXX. I did not authorize this transaction. I have tried to contact XXXX/BNY Mellon and XXXX and have not been able to resolve this.

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 2018-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
After 5 years living at XXXX XXXX XXXX, and suffering from dirty water coming through the shower, and my many attempts to get this corrected even through the corporate office and they, not responding to my request. The manager decided to not renew my lease and I was ask to leave, ( and this, all because I was concerned over my health as it relates to the filthy water ) so, as requested I left. 
The next thing I knew the app asinged a fraudulent case to Hunter Warfield to collect what they are now claiming I left owning, {$2600.00} ( WHAT?? ) I owe no such thing and, Hunter Warfield has slandered me on all three credit reporting agencies, this in nothing short of fraud, illegal, defamation and I am encouraging CFPB to fine both Hunter and XXXX XXXX at XXXX XXXX XXXX XXXX dollars for their fraudulent activity against me. Futher, The app complex knew of my medical condition ( XXXX, and XXXX ) and made no effort to conciser my financial difficulties, no, instead, they harassed me into purchasing renters insurance before I had a chance to shop around for the best price. They also sought to harass me by ope
ning my garage door both while I was sleeping at night and also while I was away, all illegally. And they did this because I had told them I had some pipes that came off of a wagon my great grand father owned 140 years ago.

Therefore, because of this fraudulent activity I am filing this complaint with CFPB and I am also preparing a press release and also a law suit if they continue this erroneous and non sense activity against me.

As I have stated, these companies needs to be fined.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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: GA

Complaint narrative:
On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law

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 2018-01-10 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: GA

Complaint narrative:
On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law

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 2018-01-10 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: The Outsource Group, Inc
State: SC

Complaint narrative:
Following an emergency visit to the XXXXXXXX XXXX XXXXXXXX XXXX in XXXX North Carolina it appears their bill collectors sent a medical bill in XX/XX/2016 to XXXX XXXX in XXXX  XXXX, Mo. Upon servicing this account it appeared the had the wrong City on the mailing address and as time expired wit their practice they decided to post a collection on my credit. Upon contacting them and settling the debt in XX/XX/2016, XXXX continued to report the debt as unpaid which adversely affected my credit for another six months after the satisfaction date. After calling numerous times and requesting the debt to be removed, I had to escalate to a manger named Mr. XXXX. This person basically told me they would keep the bad collection on my account and never remove it. He also said that all he would do is update the account so it reports as closed and satisfied. Upon receive it appears that Mr. XXXX not only closed the account he also posted fraudulent reporting on my credit by showing the account was included in Bankruptcy and that it was handled through a court trustee. Both of these are incorrect. I have never been in Chapter XXXX nor court appointed trustees. In review it has affected my livelihood by tarnishing my mortgage license and every XXXX I have to have a review due to their in accurate reporting. I have spoke to XXXX XXXX again and he basically acts like its no big deal and does not see an urgency in curing the problem. Can you please help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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.
State: NM

Complaint narrative:
On coinbase XX/XX/XXXX I sold I bitcoin at an exchange rate of {$12000.00}, {$190.00} in fees, {$12000.00} was supposed to be credited to my US $ wallet. I also sold some other digital currency in order to reach my daily {$15000.00} trading limit, which all cleared as normal and was able to wire those funds out of my account. My bitcoin is deducted from my account but the funds as of XX/XX/XXXX have not been credited. The transaction shows pending in history, but complete in my bitcoin wallet? I have filed numerous cases with XXXX and have not received any valid explanations, only automated responses. The email address they say to send requests for assistance to are disabled and, they claim no-one over the phone can help with deposit or wire issues. I have tried to contact them on XXXX, spoke to a rep on XXXX who never responded after I gave him my case id. My coinable case id # XXXX, the original transaction reference code for this transaction is XXXX. Also there is the tax issue I 'm not sure how to handle sold in XX/XX/XXXX but still have not received my funds in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i opened a brokerage account with Citi. I was told by XXXX XXXX ( XXXXXXXXXXXX ) that I would get {$100.00} sign-up bonus by opening a brokeage account by XXXX/XXXX/XXXX and transferred $ XXXX assets within 2 months. The sign-up bonus would be credited to me by XXXX/XXXX/XXXX. 

I applied the account with XXXX XXXX ( XXXXXXXXXXXX ) on XXXX/XXXX/XXXX and submitted request to XXXX on XXXX/XXXX/XXXX. $ XXXX assets was successfully transferred on XXXX/XXXX/XXXX. 

I confirmed that {$100.00} bonus with XXXX. So far, I have n't seen the bonus yet. I emailed XXXX a few times regarding to this. He said he was working on it, and I should see the credit soon. It 's a year now. and I still have n't seen the sign-up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I had a massive house fire that damaged everything in my home. My kitchen was gone. The insurance company suggested I hire a professional cleaning company to work on my house, and I called them. The company failed to complete work, and were also contracted to rebuild. They never started the rebuild. This happened around XXXX 2016. Around XX/XX/XXXX we finally settled on how much they were owed and I looked for a new contractor. I could not find many, and most were very expensive. I also was told by the mortgage company that the rest of the insurance funds would be held until the house was finished. I was able to secure a contractor, but I told the mortgage company without those funds I could not pay the contractor and my mortgage at the same time. I fell behind in my mortgage payments by six months, and ended up losing my contractor because they would not finish the work without being paid. The mortgage company refused to help and continued withholding the funds. I finished the work and had the final inspection, and got the large sum they were holding, and caught back up on my mortgage, paid the constructor, and caught up elsewhere. They knew they were negatively impacting my life and health. They knew what they were doing was morally unconscionable. They claim they followed their rules. They did not. They said they could not release funds because of the contractor license and some other inspection nonsense. It was absurd. They knew the position they put me in and they did n't care! Their behavior is reprehensible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This is not the first time this has happened with Kohls.com and the associated Kohls charge card. I placed an order on XX/XX/2018 that involved 2 items, which were to be delivered by XX/XX/2018. One item arrived on XX/XX/2018 with no problem. The other item did not arrive and the shipping tracking information for the 2nd item was invalid. Just so happens this item was never shipped from Kohls ( after to speaking with 2 customer service associates, a supervisor, and a complaint to their office of the president ) and now the price is double the original price. Kohls charge card quickly says " Sorry we will refund '' but offers nothing else. This has happened before when they increase the price of an item. They do not ship the item and just want to refund and force you to purchase at a higher price.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Three state tax liens are showing on my credit reports for all 3 CRAs, ALL three CRAs are reporting different information for all 3 State Tax Liens. None of the reported liens are mine. I have disputed these items with Equifax on 3 separate occasions and they continue to report the liens have been verified by  XXXX XXXX. Each time they are verified, but the information reported changes. As i have recently been a victim of credit fraud i have frozen my credit reports with the following companies : XXXX XXXX XX-XX-17 XXXX X-X-17 XXXX XXXX XXXX X-X-17 XXXX X-XX-17 Along with 10 others. 

In addition, I have written to the counties and received written information stating the The State of SC does not report Public Records to ANYONE. Therefore reporting such information as fact, on my personal credit report is illegal as per FCRA. 

And Finally the Liens do not meet the new reporting guidelines ( FCRA ) as they do not contain SSN or birthdate. So I would like it removed from EQUIFAX. 
SEE ATTACHED DOCUMENTATION

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 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:
On XX/XX/XXXX I mailed a certified letter to the credit bureau disputing errors and unknown accounts that appeared on my credit file. I have waited well over 30 days for my results as informed by The Federal Reporting Act., However i never received any results or validation of these accounts. At the moment the credit bureau is in violation of the law section 601 ( a ).

Company response to consumer: Closed with explanation