vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my experian report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

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 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XXXX 2017 I received a offer from american express for a Delta SkyMiles credit card. The promotion said use the credit card to make a travel with Delta Skymiles and I will received XXXX $ of credit in my Account. Unfortunately, after 5 month I do n't received my credit and now in my account I must to pay this balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-19 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: FL

Complaint narrative:
I discovered that someone unknown to me opened a credit card acct with XXXX XXXX XXXX. They used my name and address of my business office, which I had vacated 2 years earlier due to retirement. 
I filed a credit fraud form with XXXX XXXX XXXX. They claimed that they checked and that this account was not fraudulent because they had a name and address on the account, which is not mine.The XXXX, but not XXXX  and XXXX, listed this fraudulent name and address as : XXXX XXXX, DOB XX/XX/XXXX and as the authorized user on this account. It further lists his address as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX. They claim that this account was opened XX/XX/XXXX, via the Internet at IP address XXXX, referencing e-mail, XXXX. 
The account was activated on XX/XX/XXXX from phone number XXXX. 

While my name is used with the last 4 digits of my SS number and my home phone and my old address XXXX XXXX XXXX XXXX, none of this is me and all of this info could have been easily found on line. 

I filed a police report and spoke with XXXX XXXX on the phone and by e-mail to no avail. 

XXXX XXXX sent a list of charges to this account : XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$20.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$32.00} XXXX XXXX XXXX XXXX in XXXX XXXX , FL XX/XX/XXXX {$2300.00} XXXX XXXX XXXX Acct. Balance. 

None of these charges are mine. I have never been to XXXX, FL and do not use XXXX, or XXXX XXXX or XXXX XXXX or the XXXX in XXXX, FL.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19 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 made a XXXX transfer for XXXX to Coinbase on XXXX XXXX 2017 Payment was sent from my XXXX XXXX  account and Coinbase received it but its not showing on my Coinbase account. 
Its now 14 days since the transfer with no funds showing, I have made multiple calls to which Im told its passed on to the correct department but I havent heard anything. 
All emails go unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: PA

Complaint narrative:
Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1.XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.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 2017-11-19 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: PA

Complaint narrative:
Filed a dispute Pursuant to FCRA as well as a debt validation letter regarding several accounts on credit report. Also a statute of limitation on collection companies. See the companies below ; 1XXXX XXXX XXXX, 2. 2 XXXX XXXX XXXX and 3.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my TransUnion report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

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 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my XXXX report, it said that there was some problem at this time that prevented delivery. When I tried to get my Equifax report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Pay Pal and I settled on a debt with an attorney. I had closed my account in PayPal. I had over paid initially as I did not know how much we would settle for. They returned my overpayment to a former Pay Pal account that I NOW can not access. I can not get a " live '' person to return my money. I can not get into this account. I 'm unable to access any way to get my refund. I need help! Below is the copy of the statement PayPal sent to me via my email. I called the number offered on the bottom of the email and was sent to the collection agency, who in fact, told me to call PayPal. It 's going back and forth. Meanwhile they have {$750.00} of mine that I can not access. 

Hello XXXX XXXX XXXX, We thought you 'd like to know that we 've added a credit to your PayPal account. 

Credit date : XX/XX/XXXX Amount : {$750.00} USD View more details If you have any questions about this credit, click Contact near the bottom of any PayPal page, and we 'll be happy to help. 


Thanks, PayPal Help Center | Resolution Center | Security Center Please do not reply to this email. To get in touch with us, click Help & Contact. 

Copyright XX/XX/XXXX-XX/XX/XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: IL

Complaint narrative:
Equifax, XXXX , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prime Business Service, LLC
State: CA

Complaint narrative:
Prime business LLC located in XXXX ca, ( XXXX ) XXXXcollected a debt from a bank account that I had. I sold a car to a couple and they paid me with a bad check come to find out 6 months later as the check was returned. My account was then closed and forwarded over to a debt collecting agency. The woman at the agency did not agree to payment arrangements after I explained that I was in the process of buying a home and could not afford for anything negative on my credit file. She told me that she could not do payment arrangements and that she was going to report the balance to the credit bureaus to hurt my credit and that she did. Since she has reported to the credit bureaus she also has been adding interest fees. I do not feel I am responsible to any interest fees because I did not sign or agree to any fees nor was it told to me that interest would occur. I asked them to send me an email stating the balance and it was never sent to me. I called her to get to the bottom of this matter and see what options I had to take the negative reporting balance off of my credit and all she did was threaten me that they will do whatever it takes to get the money from me and hung up the phone. Since then she is deliberately trying to damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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:
XXXX, XXXX , & TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 2017-11-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX, Experian , & XXXX has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS 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 2017-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My client set up a recurring payment with Wells Fargo and they started withdrawing duplicate payments without my permission. She had to refinance the debt with another lender in order to stop the duplicate payments. Please see the attached document for additional information

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 2017-11-19 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: IN

Complaint narrative:
it been over 19 months XXXX  new about the problem I I was robbed my id stolen and hacked. they had not been sending any bills through mail. at all or email So I have not been in XXXX for more than 19 months. I even question why I have not gotten a new card my old one was issued in XX/XX/XXXX. I called told them the problem they said the old account would be closed and a new one issued. but never was! so I called again and again talk to XXXX, XXXX, XXXX, XXXX  and they say they would look into it this was in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX they all told me not to pay anything at all until it was decided. so I did not! now a XXXX from corporate got involed and she said I owe more than 2,000 that someones been paying my bill and using my card. I told her what happen she does not believe anyone could do this! then she said I do not know what the billing or fraud department because its in texas and I do not control that or have anything to do with it she kept putting her foot into and getting deeper and deeper than she said I personal took over then she said I can not wipe the account because my computer will not do that. I wrote the ceo XXXX XXXX have not heard a word from him. XXXX has lied because a XXXX said from corporate it can be done and do not make payments then I get a call back from XXXX  she said I owe the full amount and she will not listen. it says on the statement any disupts and we page that explain do not pay anything. even on XXXX XXXX XXXX and others were talking about business not getting up dated, and the consumer not held. that were interviewing several ceo I should not pay this 2,000 0r more at all because no one knows what they are doing the headquarters is in wi state and billing is in texas and fraud in Ohio. I told them the problem and can not agree o what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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:
My state tax lien was vacated/expunged by the DOR, however it is still showing on my Equifax credit report. I sent a certified letter to Equifax onXX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and Equifax did not delete the tax lien from my credit file. Their response was they verified the information with XXXX XXXX.I contacted XXXX XXXX on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the DOR records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with Equifax because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Collection account listed as XXXX XXXX in the amount of {$3500.00} is appearing on my most recent Transunion credit report. In fact this account was previously reported by the same collection company using the abbreviation XXXX, this was disputed directly through the XXXX XXXX website and was deleted by TransUnion on or about X/X/2017, per 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 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CapitalOne is blocking customers ( including myself ) from enabling external applications to monitor accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of Walla Walla
State: WA

Complaint narrative:
We got a letter from a lawyer who was seeking a motion for summary judgment for the amount of {$3400.00}. 

We called the lawyer whose secretary gave us the number of the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. We agreed to pay by debit the amount of {$3400.00}. 

Confirmation number XXXX. 

Our bank shows they took {$4400.00}. 

We have frozen the card used. This has to be fraud. Do we have any recourse?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Information is being reported on Equifax credit report that is not mine/no knowledge of account. In fact, this erroneous information was being reporting on a XXXX report and was deleted on or about X/X/17. 

The information is reported as : XXXX XXXX XXXX, amount {$3500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: LEXISNEXIS
State: SC

Complaint narrative:
My state tax lien was vacated/expunged by the XXXX, however it is still showing on my XXXX credit report. I sent a certified letter to Equifax on XX/XX/XXXX along with proof of the Expungement requesting that the tax lien be removed from my credit file. On XX/XX/XXXX I received the results of the investigation and XXXX did not delete the tax lien from my credit file. Their response was they verified the information with Lexis Nexis.I contacted Lexis Nexis on XX/XX/XXXX and spoke to a representative who first had a difficult trying to locate the file because she said it was archived. I informed her that the tax lien was expunged and no longer appeared in the XXXX records or the County Register of Deeds records. The representative asked me to send her a copy of the Expungement which I scanned and emailed to her. I received a generic response stating they were currently reviewing my communication. I am at odds with XXXX because it is like pulling teeth to get them to remove inaccurate and damaging information from my credit file. Once they received the Expungement that should have taken care of it, there was nothing to investigate. My credit is suffering due to this and it is making it difficult for me to purchase my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
An account being reported on my Equifax credit report listed as XXXX XXXX XXXX in the amount of {$5500.00} is not mine/no knowledge of account. In fact, this account was previously disputed and removed when this same account was listed with XXXX, XXXX, XXXX it seems as if accounts just move from one agency to another without any type of clarifications. In fact, the above mentioned agency never sent any type of initial disclosure letter concerning the alleged debt, rather they decided to just place it on credit reports without any verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
An autopayment for the minimum amount due was paid on XX/XX/XXXX, on XX/XX/XXXX I paid the rest of the balance in full. When i checked to confirm, capital one added another {$190.00} in interest charges. I called XX/XX/XXXX to dispute, no ther cards added interest after i paid them in full, and they stated nothing they can do

Company response to consumer: Closed with explanation