vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 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: SC

Complaint narrative:
I have disputed several hard inquiries on my Equifax credit report. Equifax keeps stating that inquiries are a factual record. My argument is that the inquiries were not authorized by me and are fraudulent. i sent the request to have them disputed and removed along with my official police report. if an inquiry was not authorized by me than how can it be a factual record on my report under my identity. Equifax is causing me damages by continuing to report those inquiries which has caused my credit score to drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have made   XXXX   XXXX   withdrawal, amount :   XXXX   XXXX   on coinbase.com on   XXXX   XXXX   2017.
Coinbase website says : " Your  XXXX  will arrive by the end of day on Saturday   XXXX   XXXX  , 2017. ". It did n't. Transaction is still in 'pending ' state.
I have contacted coinbase support on   XXXX   XXXX   but did n't get any help. Money is still not transferred to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
On   XXXX   XXXX   2016 i was  XXXX  and sent to   XXXX   for   XXXX   XXXX   got out of  XXXX  on   XXXX   XXXX   2016 on the   XXXX   XXXX   XXXX   i went to my bank to get money and to find out i had   XXXX    to m y name i tell the bank i want to make a complaint that my money was gone that i should have  XXXX  in there not  XXXX  i filed a fraud on account and made a police report in two towns in  XXXX  and in  XXXX  colorado on the   XXXX   XXXX   2016 by the middle of  XXXX  to the   XXXX   XXXX   XXXX   tcf said i have lost my money and they will not pay me back my  XXXX  that was stolden from my account im going to keep fighting because im not in the wrong and this bank is please help me get my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: TN

Complaint narrative:
I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.  XXXX  took care of the situation immediately. However, Equifax and   XXXX   has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I am already being garnished in my wages at 15 %. I am repeatedly hounded by phone to make rehabilitation, which I have agreed to twice. Both times, they say they ca n't collect from my bank even though the funds were available in my account. This collection agency is consistently harassing me, although I 'm already being garnished. I have tried repeatedly to follow their measures, to make rehabilitation. On  XXXX / XXXX /2017, I agreed to make payments for loan rehabilitation in the amount of {$38.00} each month, drafted from my bank account. One payment was drafted and then never again. I called to ask why and when the payment would occur, and the collection agency was elusive and belligerent. This has happened twice. I have signed up for rehabilitation and they draft my payment for the first month, but then never again, blame it on me. and keep collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CCS Collections is attempting to bill me for allegedly providing vehicle insurance in   XXXX   2015. I have been disputing this issue with them for several months now, and consistently keep getting misled by both   XXXX   and CCS. Initially  XXXX  advised me to send a written statement stating that I sold the vehicle in question and therefore did not need to have it insured during  XXXX  2015. After sending the statement, they switched their story and advised me that the account has been purged from their records and they can not do anything to recall it from CCS. They also proceeded to tell me the account has been sold to CCS. Then, when speaking to CCS, they clarified they are not debt buyers and did not buy the account. I feel like they are just misleading me and trying to confuse me in an attempt to coerce me into paying an invalid debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Experian obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Experian says the furnisher of the information is the courthouse, that is a big fat lie. How can Experian say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Experian. I also have numerous address and names and social security numbers attached to my Experian credit report that DO NOT belong to me. How can Experian have various social security numbers on my credit report and state that my report is accurate. That right there is ridiculous. I demand that these inaccuracies be deleted immediately or I will sue Experian for each violation. I am tired of going back and forth with Experian about this and I am prepared to sue them. I have attached drivers license to prove I was not living at these addresses Experian has attached to me along with the inaccurate information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 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 — Problem with personal statement of dispute
Company: Santander Consumer USA Holdings Inc.
State: SC

Complaint narrative:
Account Number Creditor Information  XXXX **** SANTANDER CONSUMER USA   XXXX   XXXX   XXXX   Condition   XXXX   XXXX  , TX Closed  XXXX  Current Balance {$0.00} Phone # :  XXXX  $ Original Balance   XXXX   Opened  XX/XX/XXXX Reported  XX/XX/XXXX  Remarks Closed THIS SHOULD ALREADY BE OFF MY CREDIT REPORT IT HAS BEEN PAID IN FULL. AND THE ACCOUNT IS CLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I wanted to close my Capital One Account in   XXXX   2017. So I refinanced my car with   XXXX   XXXX   XXXX   XXXX   and they got a pay off amount on my account which Capital One received on   XXXX    XXXX , 2017. I received a phone call today stating that I needed to check my account because it was past due. Come to find out Capital one has been charging me interest and late fee charges on an account that was closed. I never received a notice or statement for the months of  XXXX   XXXX  or  XXXX  2017. I checked my account on line on  XXXX   XXXX , 2017 and my balance was   XXXX   and the account stated closed. This has impacted my credit report as I am now 50 days late. I Spoke with   XXXX   at Capital One who has stated that they would reverse the charges and give me a  XXXX  balance as on  XXXX   XXXX , 2017 and would reverse the late notice on their accounts and with the credit reporting agencies. I do not have my credit card but it was a   XXXX   XXXX    master card ending in  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Netspend Corporation
State: GA

Complaint narrative:
On   XXXX    XXXX , 2017 I made a transaction on my netspend card that did not go thru but the money was on my account in the amount of  XXXX . I contacted the company to see why the transaction did not go thru and why money was still in a pending status on my account. The rep advised me to wait 24 for the funds to be release. on  XXXX   XXXX , 2017 the funds still have not been released and the rep stated that I have to wait an additional 24 hours for me to receive my money.
This is unacceptable in my eyes, Why should I have to wait for my money. Is have been well over seven days since that transaction. My bill is late due to this hold on my funds. I am a single mother of  XXXX  living paycheck to paycheck that can not afford for my funds to be held up with no explanation.
Thank you,   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 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On  XXXX / XXXX /2017 I was shopping for a Surface Pro 4 on Amazon.com. I saw a link offering 0 % financing for 12 months on this item I wanted to purchase. I followed the link which led to a Amazon Signature Visa issued by Chase bank. On  XXXX / XXXX /2017 I reviewed my statement from Chase and saw an interest charge. When I called Chase they claimed that I had applied for the wrong card and that the 0 % interest deal was offered by a different bank. I 'm not sure who is more at fault Amazon or Chase, but this was classic bait & switch. I paid the card off in full to prevent further interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
> Two ambulance rides were provided for a Veteran on  XX/XX/XXXX  by   XXXX   XXXX   of Indiana.
> Two claims were submitted to the VA for payment : #  XXXX  and #   XXXX   > VA paid #  XXXX  o n   XX/XX/XXXX in amount of {$300.00}. EFT #  XXXX  VA paid #  XXXX  on  XX/XX/XXXX  in amount of {$290.00}. EFT #  XXXX  >   XXXX   XXXX   claims to have no record of payment for #  XXXX  ; and sent Credence collections agency to seek payment from the Veteran directly. Previously, another collections agency was also hired to seek payment for both claims from the Veteran.
> Despite being given the Electronic Funds Transfer number, the Tax ID to which it was paid - #  XXXX  and the bank account to which it was transferred -  XXXX  Acct. - XXXX ,   XXXX   XXXX   refuses to acknowledge payment and has only placed this account " on hold '' rather than closing this claim.
> As a result of this process, the Veteran has suffered severe stress and has had his credit damaged for a debt that he was never responsible for and a debt that was satisfied by the VA as documented.

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 2017-07-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I had deposit a  XXXX  check towards the auto loan and it stated my next due date will be   XXXX   2020 but now they adjusted the loan without my knowledge and say my next payment is due next month. I no longer have a car. The Gap coverage refuse to pay there part on the loan. They have not reach out to the insurance company. I have been doing all the work and stressing out over them paying there part for this auto loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: AL

Complaint narrative:
I pulled my credit report and I could not believe the items that was there. I had no knowledge of so many accounts! It was amazing to me. I always heard that this type of thing could happen but did not think it could happen to me. I reached out to the creditors to clear my name and they would not move, but instead they asked me for money. These Please help me to resolve these very costly mistakes. They are preventing me from living the life I have worked so hard to obtain. There are several accounts including Credit Control Services. I have no knowledge of any progressive account that I 've ever had and this is not my debt. There is a frontier communication account that I have no knowledge of. Please me to resolve these issues as well. Many inquiries and I am just sickened when I see so many knowing that I never authorized them. Please help!
There are inquiries from   XXXX   XXXX  ,   XXXX   XXXX   XXXX  ,   XXXX   XXXX     XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  , and  XXXX . Please let me know how these companies have the right to place inquiries on my account with no authorization. Please just help me to resolve these errors.

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 2017-07-18 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: IL

Complaint narrative:
Equifax continues to report numerous unverified inaccurate information on my credit report, which is against the federal law. I have repeatedly asked how and who is verifying these inaccuracies. To this date I have not received anything verifying these inaccuracies. I have spoken to various personnel and visited the county recorders office and the clerks there stated that they DO NOT verify or even communicate with credit bureaus. So there is NO way my dispute was ever handled the proper way. Equifax obtains public record info from 3rd party companies such as   XXXX   XXXX   NOT from the actual courthouse. So this means when they " investigate '' and Equifax says the furnisher of the information is the courthouse, that is a big fat lie. How can Equifax say they looked at my current public record to verify a dispute when that info can only be ACCURATELY furnished by the county recorder ... that very same county recorder told me that they do n't provide that info to Equifax. I also have numerous address and names attached to my Equifax credit report that DO NOT belong to me.. I demand that these inaccuracies be deleted immediately or I will sue Equifax for each violation. I am tired of going back and forth with Eqifax about this and I am prepared to sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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:
I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.   XXXX   took care of the situation immediately. However,  XXXX  and Experian has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.

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 2017-07-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
XXXX   XXXX     XXXX   XXXX   XXXX  .
  XXXX   XXXX  , LA  XXXX  I became late with my mortgage due to illness and job loss and was approved for a short sale. I listed the property and an offer was submitted by my Realtor.   XXXX   made a cash offer on the property for more than the bpo. We encounter a problem due to communication : since the offer was from a corporation we were notified that the mortgage company needed articles of incorporations. That information was provided and a later email was sent and it was not sent to my Realtor requesting that they needed authorization from   XXXX   that the person signing the purchase agreement be confirmed that they were authorized by  XXXX  to purchase real estate on there behalf. The authorized person was out of the office due to illness and we had a delay in getting that document. It has been provided and sent to SLS and now everything is in place to move forward with the short sale. I am being told that since it 's 1 day late they are cancelling my short sale. I would like to short sale the property rather than it be foreclosed on. I found my husband dead on the porch of the property and I am now widowed with school age children to care for alone. We the 2016 Great Flood of Louisiana rentals are expensive and my hope is to position myself to purchase a home for myself and children. I have request that the foreclosure be proposed to move forward with the short sale. I do n't think foreclosure benefit anyone ; so I think that I am being treated unfairly. The area is crime ridden which is why my husband was murdered and the fact that we an offer from  XXXX  is a blessing.

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 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Original date sent was   XX/XX/XXXX   for {$500.00} Seller backed out of the deal and never picked the money up. All I want is My Money back. They have been promising to send me a check for 4 years and still nothing, They give me a number to " the Treasuery Office '' who is only settling cases starting the year after  (  XX/XX/XXXX  ).  I call and tell them this and they act like they are going to send a check, and then ill receive a notification with that same   XXXX   treasury number.- XXXX 
case id #  XXXX  I have been taken advantage of by not the seller, but western union.
Please help   XXXX   XXXX     XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: GA

Complaint narrative:
I graduated in   XXXX   and promptly consolidated all of my student debt into an income-based repayment plan. My original consolidation loan with the Dept. of Education was sold to Great Lakes. For the past six years, Great Lake has refused to recognize that I have a consolidation loan. They say that " We have put you into a standard repayment plan. '' and then want me to sign up for a NEW consolidation loan. If I do that, the terms of my existing loan will be negated, which I do not want to give up. Great Lakes says they do n't have a copy of my original promissory note, which I do have a copy of and have sent them. They STILL refuse to accept my existing consolidation loan. My original student debt was {$60000.00}. In 7 years they have added so many penalties and interest that today (  XXXX   XXXX  ) I owe more than {$80000.00}. I will never be able to pay this off. They list my loans as defaulted, which mean I will never be able to buy a house, get a credit card, or improve my credit rating. This has RUINED me financially. I have attempted many times to talk to Great Lakes and sent them copies of my promissory note, but they refuse to abide by the terms of my consolidation contract. I tried the federal student loan ombudsman, but that was as a complete waste of time. I have lost any hope of ever repaying this or getting help to resolve the dispute. Great Lakes simply refuses to acknowledge that I have a LEGAL, BINDING, EXISTING consolidation loan and only wants me to sign up for a new, higher-interest loan with them. I 've given up and just accept the fact that I am financially ruined for life .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation