vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 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: LA

Complaint narrative:
Discharged chapter 7 should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX I received an alert stating that there was a new hard inquiry from CBNA on my XXXX report. The alert said : A potential creditor or employer reported that they pulled a copy of your credit file because you applied for credit or services with them. This is inaccurate. I have not applied or done anything with CBNA. I reached out to CBNA,  which is Citbank and they have no record of this inquiry on this date. They pretty much gave me the run around. I called Best Buy, which I do have an account with them but that account is at a XXXX balance and I have not inquired for any new services. They also had no record for any transactions for XXXX XXXX, XXXX. I contacted XXXX and they were only able to give me the same information I gave them however, they were no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I went to annual credit report.com and ordered my credit reports. I went to the dispute sight for Transunion and tried to register to file my dispute and it said I already had an account, so I did the lost username/password. I received a message that my account has been temporarily suspended and to call XXXX. I called and verified my personal information and I was transferred to a lady that said in XXXX I had paid for credit monitoring and opened an account, I said probably but I cancelled the credit monitoring and she said the only way I can unsuspend my account is to provide a credit card and I told her no I do not want credit monitoring I just want to be able to dispute some items on my credit report, she then replied there was nothing she could do unless I provided her a credit card number to reinstate my account.

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 2017-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Discharged chapter XXXX should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.

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 2017-06-27 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: LA

Complaint narrative:
Discharged chapter XXXX should be removed my credit report. I have written letters and called several times to no avail. I am also asking for all inquiries to be removed for all three credit bureaus.

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 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
On XXXX XXXX, XXXX I paid a debt owed to my previous apartment complex because my current leasing company would not rent to me until the debt had been satisfied in full. It was somewhere around {$1800.00}. I do n't remember the exact amount. I paid via money order which I do not have a copy of as this was years ago and I did n't think that I would need it. I am currently looking to move as my lease is up and I saw the same debt had been sent to collections. As stated, I do not have a receipt but I do have e-mail correspondence between my current leasing company and I from XXXX XXXX when this debt was satisfied that states they could not rent to me until they received verification from my old apartment complex that the debt was paid in full. I also have the e-mails stating that they received that verification and that my application had since been approved. The debt collector that I am dealing with is refusing to take this off of my credit report unless I have an actual receipt. There is no way that I can re-generate a receipt that I no longer have and they are stating that they refuse to accept anything else to show the debt has been satisfied. I am a single mother with a XXXX year old child and no one will rent to me with this being on my credit report and I absolutely refuse to pay it again. Can you please help? I was advised by an Attorney that they must accept other forms of correspondence. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX {$510.00} DISPUTED LETTERS SEVERAL TIMES XXXX {$860.00} DISPUTED LETTERS SEVERAL TIMES

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: TX

Complaint narrative:
XXXX allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 trans union report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and XXXX said NO that they and the companies controll what go on the 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 2017-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ARC Management Group, LLC
State: GA

Complaint narrative:
Today I received an alert from my credit monitoring services and saw that a medical debt for {$81.00} was added to my XXXX report. I have never received any communication from the original creditor XXXX XXXX XXXX nor have I received any communication from the collection agency ARC Management. I have never been a patient at XXXX XXXX XXXX and I do not understand why this was added to my credit report. By law the debt collector was required to submit a initial communication regarding this alleged debt to allow it to be disputed if not valid. This debt is not valid and is not my debt. XXXX has caused an adverse affect on my credit worthiness by adding this alleged debt to my report from a hospital I have never been to or heard of. This alleged debt shows opened in XXXX XXXX. I contacted the XXXX XXXX XXXX and they could not find any information regarding the alleged debt. XXXX should not be allowed to add any alleged debt to a persons consumer reports without proper validation and verification. They are not abiding by the FDCP laws that protect consumers against unlawful collection of consumer debts.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: CA

Complaint narrative:
In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is 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 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I bought XXXX BTC from Coinbase, Inc on XXXX XXXX 2017 using a debit card. As per their site, debit card transactions should process " instantly '' and the Bitcoins should have been in my virtual wallet on Coinbase. It is now over a month with no contact from Coinbase, little to no support or even the ability to speak to a person. I have sent multiple emails and the responses are computer-generated messages with no information of the status of my transaction. The money left my bank account immediately so I do not know why I have not been able to receive my Bitcoins. I just want this transaction to go through and then I am closing my account. Coinbase is a scam, where they take your money and offer no way to contact them or get your money back. They make too much money of every single transaction that this kind of issues are unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: HW Holding, Inc
State: FL

Complaint narrative:
There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : HUNTER WARFIELD INC Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( XXXX ) XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IA

Complaint narrative:
I have a mortgage serviced by Specialized Loan Servicing ( SLS ). The mortgage includes a tax and insurance escrow. In XX/XX/XXXX, I received a tax delinquency notice from XXXX County, Iowa in the amount of {$1800.00} with respect to the property tax installment dueXX/XX/XXXX. This was curious to me, as the servicer was collecting funds to cover property taxes as part of my mortgage payment and responsible for properly remitting them to the taxing authority. Further, SLS ' account statements related to my mortgage indicate they remitted {$1800.00} to XXXX County inXX/XX/XXXX. I called SLS about the situation and they provided me with a number to fax the delinquency notice to and asked me to write my loan number at the top. I followed these directions and never heard back from SLS, and assumed that they had addressed the situation as they indicated they would upon receipt of this information. <P/>On XX/XX/XXXX, I received a tax sale notice from the XXXX County Treasuer relating to the property subject to the mortgage serviced by SLS. This alarmed and distressed me, and I went to the XXXX County Treasuer 's office onXX/XX/XXXX and redeemed the tax sale certificate for {$1900.00}. I took time off work to do this. <P/>I can not believe SLS ' handling of my escrow account and property taxes in this situation comports with RESPA or other applicable laws. I have no idea whether SLS actually remitted payment to the taxing authority in XXXX, but it was incumbent upon them to properly transmit the payment, and to confirm that it was correctly applied after I alerted them to the the delinquency notice. I demand a return of the {$1900.00} I spent to clear title to my property due to SLS ' incompetence and/or indifference, and reasonable compensation for my time wasted dealing with this unnecessary and stressful situation. <P/>I own several other properties serviced by other servicers ( XXXX XXXX, XXXX  ), and have never experienced anything remotely approaching this level of ineptitude. Fortunately, I had the resources to immediately resolve the situation before losing my home to a tax sale for unpaid taxes the servicer was supposed to be paying. Not all borrowers would be so lucky.

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 2017-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an inquiry that just reported which was never authorized nor do I owe any apartment debt. I 'm requesting this be removed XX/XX/2017 Inquiry Creditor Type : Other Collection Agencies AlertDate:XX/XX/2017 Creditor Name : XXXX XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Creditor Phone : ( 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 2017-06-27 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:
In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is 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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LendUS, LLC
State: CA

Complaint narrative:
You have already settled a case vs RPM mortgage. I got my mortgage through RPM in XXXX of 2012 but I never received a payout. I 'm thinking many people might have been left out of the settlement. I called the hotline and no one had a good answer as to why I would have been left out. My loan number was XXXX and it was issued through XXXX XXXX, a XXXX XXXX which I 'm sure is a common company RPM uses ... .it 's probably owned by RPM. I think you should dig a little deeper into RPM as I had big issues when they set the loan rate. When the ten year yield was falling and I called to finalize my loan rate they never answered the phone. They only answered when the 10 year stabilized and it was at a much higher level. I was livid ... I am not shocked that they got sued ... <P/>Thank you and have a nice day. <P/>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 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Four weeks ago I made a 4 day trip to XXXX and used the wifi at a hotel to check BTC ticker in the Coinbase app. I returned home ( US ) on XXXX XXXX, and when I tried to login to Coinbase I got this message : -- -- -- -- -- - We have reason to believe you reside in a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Department 's Office of Foreign Assets Control. As a result, weve unfortunately had to close your Coinbase account. If you are not a resident of a sanctioned country or otherwise have received this notification in error, please contact us at XXXX immediately and provide us with a copy of a photo ID and proof of your current address. If your account has a balance you will need to contact the U.S. Treasury Department to request permission to access your funds. -- -- -- -- -- -- I have a balance over XXXX in their account, and need access to my funds. I have contacted them multiple times since then, over multiple channels ( XXXX, social media, email, XXXX ), and sent the required information to prove my address with a valid id, etc, and I have gotten no response from them. I found this thread, which was someone with the very same issue, and they got it resolved within two weeks of contacting support : XXXX XXXX  XXXX It 's been 24 days of my account being blocked, and I have heard nothing from Coinbase. There 's no phone number, no chat, nobody to talk to. I have already reached out to the CEO @ XXXX, and various members of their team, to no avail or response. It 's like they evaporated from the face of the earth. I can not understand a bank holding substantial funds for its customers that do not answer support request, which forces me to believe they are a fraud now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
Company has re-aged a debt and placed it back on my credit reports after being removed multiple times. Re-ageing an account to make it look as if the debt was purchased in that year/month is against the law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
A total of 3 fraudulent charges were made to my Sun Trust Access 3 account, for {$20.00} each, on XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX, for a total of {$60.00}. These charges were made without my knowledge or consent. <P/>The charges were for FAX transmissions of account-related documents that were allegededly needed to close on a loan ( for which I had not applied ). When I discovered the fraud, I immediately called the bank to request a refund. I made 2 separate calls and talked to 5 representatives, each of whom claimed there was 'no error ' ; that, since I had applied for a V.A. Loan, I had authorized the charges. <P/>Finally, I contacted Suntrust Bank by U.S. Mail to advise the President of the fraud. My request for reversal was denied. <P/>The problems with the bank 's argument are : 1. While I had applied for a V.A. 'Refinance Loan ', and that application is still in progress, I did not apply for the loan in question, nor had I spoken to the individual who requested my account documents, 2. The document I signed giving my Loan Representative access to private account-related information did not specify that it would be sent via FAX. ( It could have been sent by U.S. Mail ; or, via Email, as PDF attachments. ). In fact, I have already sent a number of documents to my Loan Representative via Email as PDF attachments, and they were accepted in that format. He has never suggested that I need to send documents to him via FAX.
<P/>
3. Since a V.A. Loan Application can easily take 3 months or more to process, same day FAX transmissions are not a necessity.
<P/>
My desired resolution is restitution of the {$60.00} that was stolen from my account by Suntrust Bank.
<P/><P/><P/><P/><P/><P/><P/>
Mobile Phone : 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 monetary relief