vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-22 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: OH

Complaint narrative:
XX/XX/2017, I have tried several time to have Transunion remove some aliases off of my Transunion credit report. I have sent them proof of my identity thru driver license. They refuse to remove two aliases off of my report. I have reported it as fraud to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX XXXX,2017 I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XXXX of 2017 added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX XXXX,2017 I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XXXX of 2017 added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed UCC1, UCC3, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX from the dealership. XXXX XXXX XXXX was the vessel I used to execute my purchase since it was my signature that created the loan that made me the Secured party creditor ie. ( Lender ) therefore I submitted to IRS And XXXX XXXX for the first two months car was reported as paid as agreed then XXXX in XX/XX/XXXX added to my balance which was {$20000.00} then increased it to {$21000.00} this is fraud when they are aware debt was settled therefore I have filed XXXX, XXXX, Lien against company for XXXX XXXX British pounds, I also sent them a default notice with an opportunity to cure this matter all I want is what I paid for by me signing that promissory note XXXX XXXX XXXX was issued a monetized credit that was ten times the amount of the {$20000.00} I signed for then relending me my money I created to complete purchase is failure to disclose on their part according to truth and lending act as well as fraud. therefore I 'm requesting that his matter be properly reported to the Credit Bureaus plus send me my tittle as this debt was properly settled or I will start he collection process on lien filed against their company

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: NC

Complaint narrative:
As of XXXX, 2017 Receivables Performance has been reporting a collection on my credit report for an undisclosed amount. I do not know the origin of the account or why it exists. The amount listed on my report is left blank. I have attempted to contact said agency to no avail. Again, They are reporting a collection. I do not know it's origin. And, the amount on the report(s) is  [or XXXX dollars].

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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:
Public Records - XXXX County Tax Lien sent letter to LexisNexis, XXXX, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XX/XX/XXXX and it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Near the end of XX/XX/XXXX I experienced Identity Theft on 2 of my accounts through Capital One. Capital One allowed the individual ( s ) to change my address and billing info with no verification, but because I bank online I was able to see the fraud quickly and reported to capital one. Fraud took place in South Carolina and I live in New Jersey. I believed the incident was resolved. I paid off one of my accounts IN FULL in XX/XX/XXXX. Unbeknownst to me I was being assessed a XXXX dollar monthly fee. Simultaneously I was locked out of my online account and was never sent a paper bill. I was assessed a greater than 30 day late payment on my credit " which is how I knew about the issue ''. I have never had a greater than 30 day late payment with capital one. My account till this day is restricted. I have sent in numerous documents including utility bills, tax returns, license, and SS. I was called on yesterday and told I would have to send in my license and SS again although I was told on Friday that they have it on file. What I would like to happen is that Capital One deletes the greater than 30 day late as the account was paid in full and I was never notified of this XXXX dollar monthly fee. I ask that they un-restrict my account as I have 2 other accounts with them that are unrestricted that reflect my current information. I truly believe the account compromise is due to a lack of security on the part of Capital One. I have spoken to several other people that I know personally that have had Capital One and their accounts compromised. I have tried to be patient and GIVE THEM ALL THE DOCUMENTATION they have requested, but I am reaching my patience limit with them and plan on taking my business elsewhere and closing those accounts completely. I look for assistance in this matter. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Unifin Inc.
State: OH

Complaint narrative:
Unifin keeps harassing me even after I told them to stop calling. I am going to hire an attorney to stop these efforts. So many calls, and they better not report me to the CB 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Debt has been paid and closed through XXXX. For some reason it has yet to be removed from CHexSystems

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In late XX/XX/XXXXand early XX/XX/XXXX I was the victim of fraudulent charges on a number of my accounts perpetrated by XXXX XXXX XXXX of XXXX TX. XXXX is now in custody, but at that time was living as a guest with my son in XXXX TX. My son asked XXXX to leave, and was subsequently robbed and vandalized by XXXX in retaliation. Included in the items stolen was a computer that belonged to me. XXXX used that computer to make purchases without authorization. Included in those purchases were eleven transactions for XXXX purchases charged to my Chase card in the amount of {$1300.00}. Other charges were also made on other accounts and to XXXX XXXX XXXX for equipment ordered, but this complaint is against Chase Bank Card Services who initially reversed the charges, but subsequently reapplied all charges with the reason " You received benefit from this transaction ''. 

We did not receive any benefit whatsoever from these transactions. We believe that the items ordered were shipped to my son 's address where XXXX had been staying, and were intercepted by him ( along with other items not charged to Chase ). 

In XX/XX/XXXX I filed three complaints against XXXX XXXX XXXX : XXXX TX Police Department -- Police Report Federal Trade Commission -- Identity Theft Report Federal Bureau of Investigation -- Internet Crime Complaint As I already mentioned, XXXX is now in custody in XXXX County.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: Southwest Recovery Services, Inc.
State: AR

Complaint narrative:
I pulled a copy of my XXXX credit report for review and noticed an item from Southwest Recovery Services on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XX/XX/XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: MI

Complaint narrative:
Debt has been paid and closed through KeyBank. For some reason it has yet to be removed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I had requested lower payments over a longer time span because my monthly payments with Santander Consumer USA is astronomically high. I pay {$690.00} per month and I am struggling to make payments and want to work out a lower payment arrangement via longer time span in order to keep my car. I do not want to go bankruptcy but I may be forced to go bankruptcy if I am not able to lower my payments. When I first got the loan, I did not have student loans to pay, soon my student loans will exit the grace period and will need to be paid back and I ca n't tolerate these continued high payments. I was charged an astronomical amount of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from XXXX maps of Experian 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 non-monetary relief
Consumer complaint received 2018-01-22 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:
Public Records - XXXX County Tax Lien sent letter to XXXX, Equifax, XXXX and XXXX XX/XX/XXXX requesting the Tax Lien be deleted as the item was Paid Off in XXXX and it was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: AR

Complaint narrative:
I pulled a copy of my Equifax credit report for review and noticed an item from XXXX XXXX XXXX on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from google maps of XXXX 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 non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion does not have an address on my credit file which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX File Number # XXXX Date Issued XX/XX/XXXX The address is showing XX/XX/XXXX the address does not show on the report sent out on XX/XX/XXXX Credit report under Address Reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received A auto insurance bill for {$300.00} after policy was canceled although my premium was only {$110.00} per month. There trying to say they kept my police opern for three months with no payment. no way they would cover anyone for three months with no payment. I am willing to pay for the month I owe but they hold you hostage with the threat of destroying my credit for a bill I do not owe Please Help!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I rented a car from XXXX on XX/XX/XXXX at the XXXX, airport, XXXX. They verified my Drivers License issued by the Illinois state in USA, my USA passport & XXXX Credit card and noted the details on my Rental contract. 
I was not provided an English translation of the Rental Contract, most of which was written in XXXX and I have no knowledge of the Spanish language. I spoke to them in XXXX only when renting the car and them very well knew that I could not read most of the terms and conditions written on the back of the contract. 
On XX/XX/XXXX while driving in XXXX I was stopped by the police for holding a cell phone in my hand. I was not using the cell phone. I produced my Drivers license and passport as requested by the XXXX police. XXXX police issued me a citation for driving in XXXX without a valid international driving license and seized my car. I immediately called the XXXX personnel and they spoke to the XXXX police personnel. XXXX police communicated to me that XXXX should not have rented the car to me without a valid driving license to drive in XXXX. 
Centauro personnel rent cars to numerous individuals everyday .Centauro personnel are required to only rent cars to individuals who are eligible to drive. They are all citizens and/or residents of XXXX and expected to know the XXXX law better than a foreign tourist. 
XXXX and its personnel have willingly encouraged me to break the law by renting me a car when they were fully aware that I did not have the valid documents to drive a car in XXXX. XXXX and its personnel have intended to benefit from renting a car to an individual who was not eligible to drive in XXXX. XXXX and its personnel have intended to benefit from actively encouraging an individual to break the law of XXXX. I am sure XXXX has actively encouraged numerous foreign tourists by renting them cars without a valid drivers license to drive in XXXX and profited from it enormously. 
Will XXXX or its personnel ever rent a car to a local kid or a local adult without a valid driving license to drive in XXXX? They just intended to benefit from defrauding and cheating a gullible foreign tourist. 
Centauro along with Bank of America Visa is trying to fleece me for the illegal rental transaction and including gas not consumed, citation, administrative charges amounting to USD XXXX. The actual rental amount due is less than XXXX XXXX XXXX and its personnel not only encourage a innocent foreigner to violate the XXXX law, but also want to further financially exploit the victim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
This is a complaint about Coinbase. 
Since late XXXX XXXX, they have locked my account citing security reasons, and I have sent numerous emails to them asking for it to be unlocked, to no avail. 
As such, my funds have been unfairly locked inside their account, with no access. 

I hope this can be resolved as soon as possible - I did a search online and found numerous people also having the same problems. 
I called their support number, and was n't even able to get connected.

Company response to consumer: Closed with explanation