vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have reported to Transunion Credit Bureau that my collections account from XXXX XXXX XXXX has been paid in full and cleared with the collections company. I have received my paid in full letter, I have disputed it with Transunion twice, they have not taken it off. I have recontacted the collection agency multiple times and been informed they have released it on their end and that it is a error with Transunion 's reporting and I have to report it to consumer finance due to Transunion not removing it on their own. 

Amount that was due was {$360.00}, I received my first paid in full receipt XX/XX/2019. I first disputed this with Transunion on XX/XX/2019 and again on XX/XX/2019.

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 2019-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I am the owner of a Coinbase.com account. 

I have a valid username and password to access the account but am not able to access it due to two step authentication that needs to be reset as I have a new phone ( same phone number ). 

After multiple attempts ( 4x different times of day ) on Sunday, XX/XX/XXXX calling Coinbase support XXXX XXXX XXXX XXXX XXXX - the service states that all of its specialists are busy and hangs up. No holding, just hang up. 

Attempting the proposed alternative - submitting a ticket online, each ticket ( submitted 2 within the span of 1 hour ) created gets automatically closed with the following message : " This is an automated notification that your case has been closed. We have delayed logins to your account due to an unrecognized device used to generate your 2-step verification code. '' The automatic closure of my online ticket is directly tied to my 2-step verification issue - I am stuck in a cycle that has no means of resolution. I want access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Integrated Asset Recovery LLC
State: AR

Complaint narrative:
Call was from XXXX PORTFOLIORECOVERY EVERYDAY -- many times a day. 

They do not leave any message. 

I have told them they have a wrong number. 

Calls keep coming!

Company response to consumer: Untimely response
Consumer complaint received 2019-11-10 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: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Delinquent credit card account fraudulently opened in my name. Im unsure of how this business got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: NV

Complaint narrative:
I've been fighting Experian for 2 years to remove a collection account that has ruined my credit and caused financial hardships. The collection account does NOT belong to me. And I disputed it over and over and over again but they refused to change it or send me any proof of account ownership. Under section 609 a of the FCRA I'm entitled to see the original document including my signature to verify account ownership, but they failed to provide me with that. In fact, they stated that everything is submitted electronically. I demand immediate removal of such account or I'll seek punitive damages via trial by jury. Enough is enough!!!

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 2019-11-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Navient wrongly ended my Income Driven Repayment " IDR '' plan a month early ( XX/XX/2019 instead of XX/XX/2019 XXXX and charged me the standard repayment amount for the final month of the 12 month cycle instead of the IDR amount. My payments have been on time every month and I have documentation of the error. I spoke to Navient customer service and was told it would be promptly corrected. I followed up a month later and was told the same thing but it still has not been corrected. As a result, my account has shown an outstanding balance now for almost 6 months and my credit score has been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
PayPal charged my account inXX/XX/2018 and I've never done business nor had I had an account with them. I contacted them but they say they can't do anything without the card number which I reported as stolen and I no longer have access to it. I tried to give them the transaction details, dates, amounts, account number and they did nothing. They didn't even send a letter acknowledging the situation. I demand an immediate refund to my checking account or via check immediate or I'll take legal action via trial by jury. This is absolutely repulsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: CA

Complaint narrative:
I requested to all Credit bureau to provide Method of verification and they never responded about that matter. I ask what certified documents were reviewed to conclude your investigation? Please provide me a copy of all information that was transmitted to the data furnished as part of the investigation as required by FCRA. Who did you speak with? What was the date? How long was the conversation? what was their position? All of these questions were on the letter I sent to all three credit bureau and they didnt respond.also show proof of Notice of reinstatement, Notice of sale, Notice of deficiency, and my signature. This credit bureau is reporting fraudulent accounts and inaccurate accounts.Credit reporting laws ensure that bureaus report only 100 % accurate credit information.Please remove these accounts from my credit report. This is Defamation of character .. 
CREDITOR AGENCY, XXXX XXXX XXXX # XXXX CREDITOR AGENCY, XXXX XXXX   XXXX XXXX XXXX VISA # XXXX CREDITOR AGENCY, XXXX XXXX # XXXX CREDITOR AGENCY, XXXX XXXX XXXX ACCT XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Date : XXXX USPS CERTIFIED + To : Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX From : XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : File a consumer dispute : 3 Errors on my Equifax Credit Report ( 1 ) I talked to the representative of XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX @ XXXX ( see XXXX XXXX XXXX call log back-up ). The lady told me my ending cycle date is the XXXX of each month and they report to all 3 credit reporting agencies each month and they do not have or never had a balance of {$200.00}. We were both bewildered. She said, XX/XX/XXXX my ending statement balance was XXXX and she see two payments : ( 1 ) XXXX dated XXXX and ( 2 ) XXXX dated XXXX XXXX XXXX. Equifax : As of XXXX Equifax has {$200.00} posted against my account. Please update/fix Equifaxs system. 
. 
( 2 ) Theres an error under my personal information other identification information. I received a notification, XX/XX/XXXX. Someone changed the current address as XXXX XXXX XXXX XXXX, FL 2, XXXX, IL XXXX which is an error, dated XX/XX/XXXX on my credit report system. My current address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. The Dispute ID XXXX XXXX was NOT updated ( 3 ) Why someone at Equifax establishment made my ssn NOT pass the verification requirement in the Equifax system. Making my ssn unable to be located in Equifax system by other companies including Equifax. 

Filename : Equifax XXXX XXXX SEE 9 ATTACHED DOCUTENTS : 1. Letter Box XXXX + Dispute XXXX Has not been updated > Confirmation XXXX + Dispute XXXX + My Equifax Report Contact Information + XXXX XXXX  XXXX 2. XXXX XXXX XXXX Phone log to XXXX XXXX / + XXXX XXXX transaction sheet 3. SSN Card 4. XXXX XXXX XXXX Bill + Pay your Bill Payment to same account XXXX XXXX XXXX XXXX Bill Tracking ID XXXX / {$5.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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 AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I submitted a fraud claim to boa in XXXX about unauthorized XXXX charges in the approximate amount of {$6000.00}. It took boa less than 5 days to deny the claim, even before I was able to provide any documentations and their trivial reason was that i logged into my boa online account during the time the charges took place, which means I'm aware of them. I explained to them that that's incorrect and although I've done business with XXXX, those charges were unauthorized. I even sent them proof from XXXX itself, telling me that my account was hacked and encouraged me to report all unauthorized charges to my bank. I reopened the claims weeks ago with the XXXX admission of hacking, police report number, FTC complaint and OCC complaints. Not a single update, I even contacted their phone representative and all they said was I don't know, I'll notate the account. These are claim numbers and amounts as well as the fax text I've seen along with the supporting documents : Hello, Attached are supporting documents for claims : Claim No. XXXX {$2900.00} Claim No. XXXX {$2900.00} My XXXX account was hacked and XXXX has told me in writing to dispute all unauthorized charges that went unnoticed over a long period of time. I also uploaded a copy of my FTC and OCC complaints. In addition, I filled a police report with XXXXPD : XXXX and was advised to file a report with IC3.gov. I would truly appreciate a diligent and prompt reversal of all charges in both claims. 

Warm regards, 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 2019-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank closed my account unfairly over a year ago. There were unauthorized charges which they didn't allow me to dispute when I called over the phone. They said I need to verify my identity at a branch and I did, on multiple occasions. They still wouldn't let me dispute those charges even though I faxed my identity documents for verification. They closed the account with approximately $ XXXX negative balance. It's unfair and I demand immediate access to my account and the ability to dispute charges or I'll seek Justice via trial by jury as granted by the 7th amendment. It's unfair and frustrating and has caused me financial hardships and ruined my financial reputation as I'm unable to open checking accounts.

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 2019-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened an account with Citi last year. The initial deposit didn't go through due to computer system error. I was told that I can deposit later. I received a bill for the monthly maintenance fee as well as overdraft fee even though I never used the account and I was not able to make a deposit, due to a bank error. I tried to dispute the charges but the bank refused and closed my account instead. I demand the account to be opened immediately at {$0.00} balance or I'll seek Justice via trial by jury as granted by the 7th amendment. It's shameful, unfair and frustrating to have my financial reputation ruined due to a bank error.

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 2019-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX I have reached out these companies I was XXXX  XXXX alot in my life and couldn't possibly have these accounts Please I have been through alot already and wanting to start a new account and need this off my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XX/XX/2019 I requested a verification on three items listed on my credit report XXXX XXXX, XXXX XXXX and XXXX. I also request this information from the listed creditor. I received an update from XXXX, XXXX  and Equifax of one of the accounts being verified with no verification proof. The XXXX XXXX  account was updated as " not specified '' by XXXX. I reached out to the listed creditor only one replied ( XXXX XXXX/ XXXX  ) with a typed letter saying my account was verified with no official original documents. As of today I sent three letter to XXXX, Equifax, XXXX  and all creditors and haven't received verification based off the FCRA standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
We are still struggling from the after-effects of the financial crises from 2008, during which we were forced to declare bankruptcy. 

Currently we are working to renegotiate our debt through XXXX XXXX XXXX ( so that we don't have to declare bankruptcy ). 

We have an account with American Express ( XXXX ) that is enrolled in the debt relief program. I believe that AMEX is aware of the fact that we are actively working to renegotiate our debt through XXXX. AMEX has been calling us several times a day -- and we have been ignoring the calls as advised by XXXX. 

However, now AMEX is starting to harass our family. They have called my mom ( God only knows how they got her phone number ), my wife 's mom and dad, my wife 's brother -- both on land lines and on their cell phones

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: VA

Complaint narrative:
I received two notices for debt collection from Credit Control LLC dated XX/XX/2019 and XX/XX/2019. On XX/XX/2019 I sent a debt validation letter via mail to Credit Control LLC regarding the first notice stating that I do not owe any debt and challenging the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls and received another letter to attempt to collect yet another debt that I do not owe. On XX/XX/2019, I sent another letter by mail to address the second notice regarding a debt that I do not owe. To further ensure my documents are received, I have sent this disputes via fax today and will send again through mail, but this time, with XXXX signature confirmation. I am a disbursements veteran and I do not owe this debt and want the calls, letters and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.

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 2019-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Consumer Portfolio Services, Inc.
State: KY

Complaint narrative:
We were one payment behind at beginning of 2019, we had help from loan company in past due to me being out if work several months after XXXX XXXX XXXX. We had automatic payments set up from XX/XX/2919 until car was paid off. CPS states they presented for payment in XXXX and bank declined for insufficient funds, however bank manager states payment was not presented. I have a print out of payments made from XX/XX/2019 to XX/XX/2019. I spoke to Mr XXXX at CPS and stated we could possibly make a payment on XX/XX/XXXX, but my husband VA doesn't come to bank until XXXX XXXX one reason pmts were set up for that date. I am scheduled to work XXXX to XXXX but usually dont get off work until after XXXX. I would call CPS numbers left in voice mails to me only to get the reps voicemail, leave a message and them call me while I was at work and couldn't answer phone. Call back when I can get voicemail leave message, and repeat fir several days until I finally reached Mr. XXXX. Come to find out CPS had canceled our automatic payments with out notifying us. I have billing statements from XXXX, XXXX and XX/XX/2019. On XX/XX/XXXX CPS had the car repossessed, repo rep had no paperwork, would not give phone number, and only stated his name was XXXX and hes taking the car to XXXX XXXX. I called CPS to get automated messages to call back during business hours, called next day and spoke to 3 representative and a supervisor. Supervisor was rude and I dont remember his name. I spoke to a XXXX, XXXX and a XXXX. We were told we could get car back if we paid {$2300.00} plus the towing fee of {$390.00} and what ever the storage adds up to. Was told by one rep we have until XX/XX/XXXX to get car or it goes to auction in XXXX area, another rep said we had one week and car would be sent to auction, We have received no notice in the mail from CPS, I know they must notify us of date, time and place of auction. I know CPS has been fined for deceptive practices and I feel we are a victim of that now. CPS also said payoff for car is {$16000.00} tho all the paper work I have shows {$15000.00}, which means payments we have made have mostly went to internet and not the principal as when we first got the car the principal was just over {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I have repeatedly disputed the following charges : XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX   XXXX XXXX AZ # XXXX '' {$60.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA # XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA # XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX  # XXXX '' {$19.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$35.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$220.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$5.00} XX/XX/19 XX/XX/19 " XXXX XXXX  XXXX XXXX  XXXX XXXX AZ XXXX XXXX '' {$60.00} XX/XX/19 XX/XX/19 " XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$29.00} XX/XX/19 XX/XX/19 " XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX '' {$220.00} Any person that actually looks at these charges can see they are fraudulent. I did not make these charges and their most recent response is they are valid simply because I continued to meet my financial obligation of making my minimum credit card payment. This is laughable. They have not investigated these charges. I contacted XXXX XXXX to notify their corporate that they are fraudulent and they stated they had not been contacted by anyone about these charges. I demand these charges be removed from my account permanently.

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 2019-11-10 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

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