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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XXXX 2017 I filed for bankruptcy. My accounts with my student loans were all in good standing and I was on an income based repayment plan which was {$0.00} a month. After filing I noticed that my amounts were closed but then I noticed that I all of a sudden had 12 late payments. When I looked at my credit report all of the accounts had XXXX as failed to pay. How exactly do you fail to pay {$0.00}? I feel that was deliberately done to further bring down my credit score.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES EQUIFAX, XXXX, AND XXXX  and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on  my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies EQUIFAX XXXX  AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.

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: Midwest Recovery Systems
State: PA

Complaint narrative:
I ran my credit report and it shows a derogatory mark from " XXXX XXXX XXXX '' in the amount of {$870.00} which shows an account opened date of XXXX/XXXX/2016. I have not received any communication from this company pertaining to this debt. No one has attempted to contact me by phone or mail. I have no idea what the amount is for. I disputed this with the credit agency and the result was that they added a note on the derogatory mark that states " account information disputed by consumer. '' I did not open an account with anyone on this date or around this date. I have 1 account that is 4 months old from XXXX XXXX. This is the only new account i have and it is in good standing. I do n't even know what this debt could possible be for??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
hello Today I was left a message at my cell voice mail to contact by XXXX XXXX at XXXX calling from law office due to non compliance I be serve with summit of complain by my local Sheriff at my local county .will demand court appearance? 
I call back the XXXX and spoke with XXXX XXXX who very rude will not answer my question on how the got my number .I ask for the law office name again but he refused to provide name. He also threat me to serve me at my work .He stated he was representing Ace Cash and I need to a pay my debt. I contact my local Ace cash at XXXX spoke with XXXX ; related the call and she advice to call XXXX or XXXX, I call XXXX an as I try to get information from agent she just wanted to know when I 'm going to paid my debt as i ask her about my call from XXXX XXXX she told me to stop interrupting and disconnected the call. 

We had multiple unforeseen family emergency 's and i have not been able to paid this debt but, feel i was not treated fair. 
Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
On Friday, XXXX XXXX this company started robocalling my number, my girlfriend, and my father. On Monday, the calls continued even after I spoke with them and asked to validate the debt through sending me a bill. They Continued to call my girlfriend and father and called me one more time late in the evening with no answer. On Tuesday they continued to robocall and even reached out to a ex in-laws of my girflfriend.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
Account with santander consumers was open in XXXX XXXX XXXX. I never knew about the account was opened until whoever open the account started making late payments or did n't make payments at all. I have reported this account to credit bureaus and also have reported it to the company santander consumer. They have sent me a fraud packet and i completed the packet and faxed to santander consumer with a police report. XXXX XXXX and XXXX  have removed the account from my credit report. Santander consumers have not done anything to even attempt to investigate the account for Identity theft. I have tried to contact them multiple times and multiple voicemails. This account is really affecting my credit score when I pay everything on time without a problem, I even have my own car loan out that I pay for every month with no miss payments. Santander consumers have no evidence that I opened the account but they will not investigate it to be removed and it 's not fair. The account is in delinquent according to my credit report.

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

Complaint narrative:
I 'm trying to sell my crypto currency. XXXX bitcoin and XXXX ethereum in my Coinbase account. I want to liquidate and turn this into cash. Whenever I try to sell it says I need to verify my identity. I am unable to verify my identity and it gives no support. My information is correct and I am within my sales limits. I have tried countless times to verify and I get the same nonhelpful error message saying they could not verify my identity. My money is now frozen because they wo n't let me sell without verifying my identity and their identity verification is broken. I want my money out asap but they 're essentially holding it ransom. I was able to buy and sell before and then suddenly my accounts were frozen. I have uploaded my ID and given them my ssn and still can not access my funds.

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: Money was not available when promised — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX I initiated a wire withdrawal from Coinbase. 
The transfer ID is XXXX The amount was for {$10000.00} USD Outgoing to XXXX XXXX XXXX XXXX The estimated payout date was XXXX XXXX - XXXX XXXX, XXXX UTC I have tried reaching out to the company through a support ticket but have not heard back. 
I am worried about my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When you think of Wells Fargo as a young woman in need of an education, most would automatically assume that they would tell you the truth. When I requested both loans online nothing was discussed about anything adjusting or compiling at the incredible rate is has. It has now, even though I have made timely payments quickly gone to more than {$30000.00} whine down my DTI and keeping me from buying a home or obtaining any kind of financing. When the rep from Wells Fargo called me to finalize the loan package nothing was discussed about this debt compiling so quickly and it ruining the rest of my life. I had clearly asked if zi would be able to pay that much once I graduated and I was u=assured by the representative from Wells Fargo that it would not be a problem and I could always fill out forms to delay payments. 

What good is our system if it allows this type of predatory lending to go on and for Wells to remain in the clear for their actions. I had no idea what I was getting myself into and now I have no idea what to do. These loans should have been explained properly and the full rates and fees disclosed.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES XXXX, TRANSUNION, AND XXXX and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies XXXX TRANSUNION AND XXXX REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All requests for a detailed investigation was responded to with bureaucratic filler jargan to deflect from what I was very specific about on my request. I want to give a written request for a forensic audit investigation into ALL CREDIT REPORTING AGENCIES XXXX, XXXX, AND EXPERIAN and the manner in which they Rendered ALL my dispute requests .I am requesting that they provide a detailed Forensic audit of my credit report and investigation of ANY creditor that can not provide written proof of my request for service such as third party Creditor who paid for my debts, accurate date of delinquency " creditor or dept of education and inquiries '' for example I have student loans from 2000 on my report but when i review my credit history it says 2 years. Either completely remove the old info and show only the consolidated report or allow me credit for the number of years my student loans existed and they all MUST be removedcompletely never to be seen and immediately. I want ALL CREDIT REPORTING AGENCIES to remove ALL VARIATIONS OF MY NAME THAT DOES NOT REFLECT A DIRECT MATCH to my court ordered name XXXX XXXX XXXX and match on All 3 Bureaus I request that there be copies of the FORENSIC AUDIT sent to me via email. I reserve the right to file lawsuit against all parties involved that refuse to cooperate fully and truthful with my complete request. This is my final request and attempt to correct and update my " Required Credit History '' THAT CURRENTLY IS CAUSING ME HARDSHIP IN JOB SEARCH AND ABILITY TO ACQUIRE CREDIT. I am a victim of Identity theft as recent as XXXX with several auto dealer inquiries I never applied for " I have a car im paying for '' Lastly I require that ALL THREE Credit Agencies XXXX XXXX AND EXPERIAN REPORT THE SAME INFORMATION OR NONE AT ALL. My next step is to file a lawsuit.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I sent a domestic wire transfer to Coinbase Inc on XX/XX/XXXX 2018 for {$2500.00} from my verified and linked checking account. The funds have since been deducted from my checking account and show up as a past transfer. 

I have already completed numerous transactions using said account ( and linked debit card ) including a previous wire deposit not long ago ( which only took 1 business day ). 

Despite being more than 1 week later, the funds have not been made available in my corresponding Coinbase account. 

After opening a support ticket, I simply got a canned/generated response asking for the details of my transfer ( which were already included in the support ticket submitted ). This is simply a delay tactic in my eyes. 

This is an unacceptable procure of handing customer funds, especially given that the wire transfer was successfully sent 1 week ago and paying more for to have the funds available in a timely manner.

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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
XXXX and Transunion have yet to show me verification that the negative items such as XXXX and XXXX XXXX XXXX and XXXX XXXX is my account it has been more than 30 days I have sent verification that the XXXX was paid off by my insurance company as a toll lost and they have yet to remove it. XXXX XXXX as well never late I have a 10 days after my payment to make a payment and they have been reporting lating this is affecting my credit score tremendously

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 — Other type of mortgage
Issue: Trouble during payment process — 
Company: Nationwide Biweekly Administration, Inc.
State: CA

Complaint narrative:
I signed up for the Interest Minimizer Program through XXXX XXXX XXXX because it sounded like a great plan to save me XXXX on the life of my loan. I was totally misinformed on the cost of the program and and additional fees I discovered they were charging me. I tried to call the company to cancel their services, however they refuse to give me a refund. To top it off they suspended their services because the CFPB filed a lawsuit against them and they temporarily lost their privileges to handle my account. I am looking for help to gain a refund of my money, because the company will not work with me. I am not sure the outcome of the lawsuit, but any help would be greatly appreciated.

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 when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
For over a year Ive had issues with XXXX XXXX ( which services two of my store cards ) and their system processing my checking account with payments. Ive called the company multiple times, explained the issue, and been asked several times if my account information is correct. After assuring them multiple times that not only is my account information correct, but that I have no issues using it for any other bill payments, the company often has allowed me to use a debit card without paying an extra fee. Last time I called to resolve the issue, the service rep on the other end told me Well, its not late yet and said she couldnt do anything and I should call my bank to see if anything has changed ( it has most definitely not ). Ive now fallen behind on the payment due to the inability to use my checking account information and I am receiving nearly 20 calls a day from their system attempting to get in touch with me about it. Today was the final straw when between XXXX and XXXX I received 13 calls from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company stated i owed and amount and that is not true.

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: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I made a wire transfer to COINBSAE INC on XXXX XXXX, 2017 in the amount of USD XXXX. Below is the email that we received from COINBASE stating that our wire transfer will be sent back to my account in 3-5 business days. It been over 2 months and I have not yet received my money back. I have been to my bank and they requested wire recall three times and COINBASE bank did not respond to wire transfer recall despite they told us that they have rejected our wire. Here are the details of the wire transfer 

XX/XX/17	WT FED#XXXX XXXX XXXX  XXXX=COINBASE INC SRF# XXXX TRN#XXXX RFB#	 	$XXXX

On XXXX XXXX, 2017 at XXXX PST "Coinbase Support"  wrote:

Hi there,

Thanks for your interest in wiring funds to your Coinbase account.

We recently received a wire from a name that didnt match the name on your Coinbase account. Unfortunately, in these cases we are unable to accept the wire, so we will return the wire to the account it was sent from. This reversal process typically takes 3-5 business days, but may take longer.

I apologize for the frustration with this. To avoid any difficulty moving forward, please send future wires from an account that matches the name on your Coinbase account. Please feel free to try the wire again from a different account in your name.

Thanks for your understanding and patience, and for choosing Coinbase!

Thanks, 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
COMMONWEALTH FINANCIAL is reporting three collection accounts to the credit bureaus that are not owed by me. I have disputed these accounts with all three credit bureaus, but they just added a statement " Consumer disputes this account information Medical ''. The credit bureaus or Commonwealth Financial have yet to verify that this debt belongs to me. I have told them that I do not owe them and this is not my debt and they continue trying to collect on the debt and continue to report it on my credit report. This is false information. Filing a complaint here is my last resort. I do n't know what else to do to stop them from reporting this inaccurate information.

Company response to consumer: Closed with explanation