vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
I filed a complaint with the CFPB on XXXX/XXXX/XXXX against XXXX, the complaint number is XXXX. XXXX closed the matter and stated that the client ( XXXX ) had recalled the debt, and stated that they would have the account removed from the top 3 credit reporting agencies. 

Today I received a letter from Diversified for the exact same XXXX account. The Diversified account number is XXXX. I will be responding to Diversified via USPS mail to make them aware of this complaint and how XXXX sold them debt that does not belong to me. 

This complaint is against XXXX and their debt collection practices, which are starting to become harassment. Is this how XXXX handles debt collection, by selling bad debt to third-party agencies? 

All of the information and documentation can be found in CFPB complaint number XXXX. I have attached the letter that was mailed to me from Diversified for reference.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I filed bankruptcy about 2 yrs ago or so and had a clean slate but not everything seemed to come off or appeared later that I have 0 clue what it is. There 's a XXXX XXXX card that wo n't remove itself even though it was included in my bankruptcy. 

I 've only applied for 3 things XX/XX/2017 XXXX XXXX XXXX.. my credit card XX/XX/2017 XXXX.. A car XX/XX/2017 XXXX XXXX XXXX A 2nd car myself.. 

All the other inquiries I was informed could be part of a glitch and before I filed bankruptcy and seemed to pop back on someone. Please remove all these inquiries.

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 2018-01-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian on complaint # XXXX states that changes and deletions ca n't be made as of XX/XX/XXXX due to the information provided. I have provided the copies from XXXX XXXX XXXX XXXX there has never been no other documents sign nor giving to me by XXXX or any binding agreement other than XXXX XXXX XXXX transferred the loan. 
There has been no documents furnished by Experian to XXXX or no proof of documents to the loan XXXX nor and documents furnished. Only documents furnished was XXXX XXXX XXXX XXXX in which they sent XX/XX/XXXX by XXXX stating they did not supply delinquency information to credit reporting agencies. This loan was done XXXX so where is the reporting on payment history from the begging of the loan and why is there nothing showing from the start of the loan of XXXX. There is the wrong complete amount by Experian to the loan XXXX provided the loan amount {$25000.00} and Experian has {$24000.00} so Experian does not have the original amount of the loan as they have stated on the credit report. Nor does it show or can provide any reporting by XXXX. 
Experian Complaint # XXXX Experian states back to CFPB that this does not show on my credit file I have provided the copy saying it does not show on my credit file and Experian States to CFPB it does not show on my credit file. Experian also states error in amounts and the loan open XX/XX/XXXX not as Experian states or my documents from XXXX XXXX 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 2018-01-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
I leased a new XXXX Chevy Equinox at XXXX XXXX in XX/XX/XXXX with my husband. We financed through GM Financial. The first complaint is that I receive the bill in the mail on the XX/XX/XXXX of the month and the due date is the XX/XX/XXXX!!! This is ridiculous. They will not help me change the date I receive the bill. The NEW problem is that for some reason our monthly bill comes only to my husband and not in both names. This has been OK and we just pay it. On Saturday TWO bills came for the same amount. One in his name and the other in mine!! I have called XXXX XXXX of XXXX and nobody will return my call. I have left voice messages as well as spoke to someone who said they would personally give it to the financial officer. I have been calling the GM Financial Service # XXXX ALL DAY today. I get a message saying that they have an overwhelming amount of calls and then it disconnects!!! EVERY TIME. I will not have my credit ruined by this horrible company because they double bill me and will not take my calls. I need 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 explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I got a notice from XXXX XXXX stating I owe a debt. The original creditor was XXXX XXXX. 

I explained to XXXX XXXX on more than occasion that I did n't have a XXXX account and never have I ever had a XXXX account. 

This has been going on for about a year now. I reach out to XXXX XXXX and explain the situation. They did an investigation and found that what I said was the truth. 

They send me there finding from that investigation, and I sent the same letter to XXXX XXXX proving that I had nothing to do with this account, yet they refuse to remove this negative account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: DC

Complaint narrative:
I was making payments and prepayments we only applied to interest and not principle. I was in a repayment plan that was not repaying the loan, after 5 years my balance was the same despite paying more than my payment and I was not made aware.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX I place a order for XXXX $ of Bitcoins - I submitted my bitcoins to be transferred to another account - When I finalized my submission " after the sent was already initialized '' Coinbase gave me a confirmation on the website saying the fees total for sending my bitcoins was more vaule of what I owned.. 

How the heck can coinbase even do a transaction like this? I can name numerous sites and their partners that will not allow this to happen.. XXXX even 3rd world parties exchanges based in fraud-ville XXXX has better consumer protection. 

Coinbase has NO CONSUMER PROTECTION WHAT SO EVER " Oh yeah.. btw I did get my transaction completed.. like XXXX cents negative. '' Coinbase partner " XXXX '' they will reject your transaction to send if the amount is above of what you own and will allow you to adjust it.. So how the XXXX can a small mom amd pops business made by college kids in their XXXX can developed some type of consumer protection while Coinbase can not even conceived this?! Is this a loop hole they are using to steal bitcoins? This is serious by far! How many Currency exchange " ANY WHERE THE WORLD '' will allow this to happen to a customer? probably none.. 

They need to cease all transaction till they can fix this and protect the consumer first instead of filling their wallets .... I bet you didnt know Coinbase has their own bitcoin miners.. LOL LOL wow.. man.. another XXXX exchange.. .. and this one is in the USA.. XXXX I get better services out my XXXX based exchange.. this is sad by FAR!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
XXXX XXXX, 2015 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I checked my score and have seen that there are 17 plus hard inquiries on my score from creditors from which only few i recognize and have authorized only 3 creditors ( XXXX, XXXX XXXX, XXXX / XXXX ) rest all are not recognized and authorized by me. 
So these hard inquiries should be removed from account. 

I tried calling XXXX but they said they wo n't take care of it and can not delete these hard inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been locked out of my Coinbase account since XX/XX/XXXX. The reason being Coinbase will not accept the codes ( XXXX ) my Authenticator app is generating. 

I 've tried verifying my ID with Coinbase since then, following instructions and all troubleshooting tips but my ID verification will not pass through their website. On the same day, I emailed customer support for help and asked if I can email documents, pictures and IDs to confirm my identity. I even asked them to change the XXXX to my cell phone number so that I can regain access to my account. 

No actions have been taken by the company except to provide troubleshooting tips and an email on XXXX XXXX to say they 're working on the matter. 

It has been 2 weeks since I 've lost access to my acccount. I 've tried reaching out for a follow up on the XXXX, XXXX, XXXX and the XXXX. All follow ups have been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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:
This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. Transunion is also reporting that there are inquiries from XXXX XXXX last XX/XX/XXXX and 2ND XXXX XXXX last XX/XX/XXXX. These inquiries are NOT VALID. There businesses do not have any lawful right to be on my credit report. I am not the person who the credit was pulled by these companies. This is not my account. I am a victim of this credit bureau 's mixed up files.. This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.

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 2018-01-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX Called XXXX about return, was told we would receive a return label.

XX/XX/XXXX Called XXXX about return, was told we should have received return label.

XX/XX/XXXX Followed up on return label, since we have n't heard anything back. Was told that it was passed the deadline to return. Informed representative that we had contacted XXXX in XX/XX/XXXX, and never received return labels. Was informed the case would be forwarded to supervisor. 

XX/XX/XXXX Received a callback from supervisor and informed that they would be sending return labels. Finally received return labels from XXXX  and sent the items back for a refund.

XX/XX/XXXX Called XXXX about return and said supervisor will give call back Never received a call back XX/XX/XXXX Called XXXX, again was informed a supervisor would call back. XX/XX/XXXX  Opened dispute with Chase because the items were never refunded. 

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Sent in documentation as requested by Chase.

XX/XX/XXXX Send in documentation as requested by chase.

XX/XX/XXXX Called Chase and was informed that we would receive a callback from dispute department upon review of materials.

However, we received a letter stating the case was closed without any further review.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MS

Complaint narrative:
They mail me a letter and I told them that I couldn'tsee send no money with no incomeand no job how can a personpay a old bill and not working.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC.
State: FL

Complaint narrative:
As I have said I have never been to any hospital or used and medical services. Lost my wallet awhile back and got a replacement i.d maybe someone used my i.d at a hospital. Either way this was not me or is not my debt. Stop reporting on this fraudulent debt. 

XXXX XXXX XXXX/CHARGEOFFOther {$710.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Bureau Name GOLDKEY CRED Original Lender MEDICAL Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account XXXX Years, XXXX  Months Credit Limit Not Reported Highest Balance {$710.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 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:
This company made a grave error that caused a devastating effect on my credit file. I already disputed these with the credit bureaus before but they refused to fix the error they 've made. Incorrect information such as wrong addresses, phone numbers, accounts, and inquiries has been reported in my credit file. All these information do not belong to me and should n't have been reported on my credit file. Despite my efforts on fixing these errors, these credit repository remained negligent and noncompliant. I only moved to XXXX XXXX XXXX, XXXX XXXX, CA last year and this is the only address associated with me. They only phone number that should be reported is my phone number ending in XXXX. This is the only phone number I ever had. EQUIFAX also reported accounts from XXXX XXXX XXXX opened last XX/XX/XXXX and account with XXXX XXXX reported opened last XX/XX/XXXX. These are not my accounts. I am a victim of this credit bureau 's mixed up files. Furthermore, there had been inquiries reported that donot belong on my credit report. Inquiries XXXX XXXX  last XX/XX/XXXXand XX/XX/XXXX, XXXX pulled last XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX pulled last XX/XX/XXXX and an inquiry by XXXX XXXX pulled last XX/XX/XXXX and XX/XX/XXXX. Attached to this complaint is a letter from XXXX stating " that my credit file might be combined with someone else who has a similar name '' This company has mistaken me for someone else. This is my last effort to have this bureau fixed before I get a legal counsel involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am going thru a child custody dispute in the court system in XXXX XXXX MD. My sons Mother is a XXXX  XXXX at XXXX XXXX XXXX and She ran my credit through her Job without my permission Her name is XXXX XXXX. This happened on XXXX XXXX 2018. I found out thru my XXXX XXXX monitoring

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 2018-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
3 Accounts what the? 

1st Account = XXXX XX/XX/XXXX Amount XXXX 2nd Account = XXXX XX/XX/XXXX Amount XXXX 3rd Account = XXXX XX/XX/XXXX Amount XXXX These are accounts that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: MI

Complaint narrative:
Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.

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 2018-01-23 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: MI

Complaint narrative:
Hello - Two years ago I went through a divorce. As part of the divorce settlement my ex-wife was given one of our cars that we had a loan on. It was a joint account through XXXX XXXX XXXX. I asked my ex-wife to remove me from the account though she never did. She changed the mailing address for the account and login information online, so I was unable to access the account. The loan was nearly paid off, so I did n't worry about it too much. In XX/XX/XXXX of this year I got a notification from my credit monitoring service that the account was over 30 days past due. I contacted my ex-wife and she said it was due to a change in her billing account and fixed the issue and paid off the outstanding balance. 

Still as a result of this I now have a 30 day late payment notice on my credit report. My credit score took a hit as well, dropping from XXXX to XXXX. 

Recently, I contacted XXXX XXXX to explain the situation and inquire about having the negative mark removed from my credit report. Since I no longer had access to the account online and my ex-wife updated the mailing address to her new address. I received no notice of a past due balance. XXXX said they were sympathetic but unwilling to remove the mark.

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