vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To whom it may concern : Experian is reporting inaccurate information on credit report and will not remove the inaccurate information. XXXX ( dispute report number ) date dispute file is XX/XX/2017. Public Record showing bankruptcy filed with US BKPT CT VA XXXX. I contacted the the XXXX XXXX CT VA XXXX for verification of this dept.The court stated they cant verify this debt. Also the amount is showing bankruptcy file for XXXX $ who files bankruptcy owing XXXX $ in debt..No one!! I ask that this public record be deleted from my credit file immediately!! Under the FCRA information on your credit file must be accurate and verifiable from the source. US BKPT CT VA XXXX did not verify this debt to be true and accurate therefore it should be removed. The reporting source is reporting inaccurate information. Please remove this information immediately. Also this reporting violates the CDIA new public record reporting standards effective XXXX XXXX, 2017. Thanks 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 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
There is a XXXX XXXX XXXX card appearing on my credit that I never opened or authorized opening. I am a victim of identity theft. It says on my credit report it was opened on XX/XX/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 non-monetary relief
Consumer complaint received 2018-01-19 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: HW Holding, Inc
State: NV

Complaint narrative:
Hunter Warfield is a collection agency for XXXX XXXX XXXX.They are fraudulently and incorrectly stating on my credit report incorrect date opened or dat of service. I would like to appeal date of service when i occu ] ied residence. I move in the apartment homes at XXXX XXXX in 2010 i  gave a 60 day notice and move out. It still showed as an open collection account. I will like to have them verify my signature on the contract that i signed to where this is not legal. To keep reporting a substantial amount of XXXX owed as past due. Which should allow my monthly payment amounts on the contract that doesnt even show on 2 credit reporting agencies. This dishonest action has caused me to be denied credit for a home for my family. By appealing this request to verify Date of service, wriiten contract and signature allow me to provide a warm safe home for my family.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX I noticed that an account linked to my phone had several mobile deposits. The account is for my daughter, but she was a minor when the account was set in motion, she is now a grown. I questioned my child an told her that she needed to contact the bank because of a fraudulent activity. However, I went to the bank ( Capital One ) and from there was notified that a scam had a occurred. The first deposit was on XX/XX/XXXX for XXXX,XX/XX/XXXX for XXXX, XX/XX/XXXX for XXXX and XX/XX/XXXX.I spoke to the fraud department on XX/XX/XXXX and was told they will open up an investigation and needed to gather more information from my daughter. Since then on XX/XX/XXXX the bank have locked my account ( me and spouse account ). All funds coming in the account can not be touched. My husband deposits are being withheld and he have nothing to do with any of this. I understand their saying that I 'm on the account as well so I 'm responsible, but I did n't have anything to do with this occurrence and I 'm the one who reported it. My daughter agrees that she is responsible for what happen. Is there anyway that she can sign something holding her only responsible and not myself or my spouse? Seriously it is a sad situation when the good have to suffer for other people actions. Since, I been with Capital One my banking relationship with them have been great, no problems at all even when they had mess ups I continued with them. I have bills that will not be paid because of this problem. Can you please offer some assistance please!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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 — Was not notified of investigation status or results
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
I disputed this debt at the end of XX/XX/XXXX, they sent a letter dated XX/XX/XXXX saying they are investigating the matter and they need additional information from me. However, there should no additional information required from me, if they decided to report inappropriately on my credit report. Another letter was received dated XX/XX/XXXX saying their investigation proofs the debt is valid. I sent a debt validation letter dated XX/XX/XXXX requesting validation of the debt and not verification. The letter was received XX/XX/XXXX and I have yet to receive the requested documentation. They are unable to comply with FDCPA as I have have to right to request validation of the debt you say I owe you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
I recently received a copy of my credit report. On my report it show a collection account for receivable performance for {$82.00}. I never received anything stating this was being placed on my file or that I ever owed this debt! Because I did not recognize this account as being mine I sent a certified letter asking for VALIDATION of this debt to the collection agency on XX/XX/XXXXwhich was received by a representative of the company on XX/XX/XXXX. I requested that this debt be Validated within 30 days of receipt of my letter.. and if they were unable to send Validation Per the FCRA guidelines the alleged debt should be removed from my credit file. I have the right to have a alleged debt validated. As of today i have not received any communication from the collection agency. Per FCRA if they can not validate this alleged debt I must be removed as a account on my credit file because it doesnt belong to me! I am now asking that the information be removed from my file as the debt has failed to be validated. I am trying to obtain financing and this black mark has been detrimental to my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase, inc. claimed they would refund my {$100000.00} transfer I sent in XX/XX/XXXX because I had sent from a business instead of a personal account. 
Two months later, and they still have n't returned my money nor email me the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
I needed to send Euro XXXX to a hotel in XXXX that did not accept credit cards. 
Before sending the money, I carefully researched the alternative methods of sending the money and determined that Transferwise was cheapest. 

When I made the payment, I was offered the choice of having the money charged to my bank or credit card account.I was told that there was a small additional charge for using my credit card. I thought it worth it to earn air miles. At no time was I warned that my credit card might levy additional fees. I find I have been charged an additional {$22.00} cash advance fee by my credit card.

I called my credit card. They say that they are entitled to do this under my credit card agreement. This seems likely correct. The Transferwise case is XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-19 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-19 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-19 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: VA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Two issues. 

1. Unknown address listed under my previous addresses : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Ive never lived in VA. Do not know whose address this belongs to. Please remove from my report. 

2. Report is still showing XXXX XXXX as my current employer, however I have been at XXXX XXXX  XXXX, XXXX since 2014. Please correct. 

I have attached screenshots of the issues on my report. 

Thanks, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I ordered {$100.00} worth of Bitcoin on XXXX XXXX, 2017. Ever since, the transaction has been in a " pending '' state and claims it will arrive Friday, XX/XX/XXXX. I have emailed coinbase 3 times. I received a single reply with a link to their website as to why it could be pending for up to 5 days. It has been nearly a month now with still no real response, even after responding to that email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
I opened an account with coinbase.com to purchase crypto currency. I added banking information to make trades. I 've tried to log in for a couple of months but I 've been locked out. I submit emails and I get canned response. But to no prevail do I get any sort of customer service follow ups as well as I still ca n't log in. I 'm concerned that they have my banking info. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Car was repossessed on Wednesday. Payments were made on Wednesday and now I ca n't get the car back from repossessions people. Ive been calling them for 3 days and car was taken out of XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an alert from Equifax Gold Credit Watch service that my XXXX XXXX account balance had increased {$1900.00} to {$2300.00}. I immediated checked my XXXX account, and there was no such transaction current or pending, or any balance nearly that high past or present. I used the Equifax service to check my credit reports from all 3 bureaus. There was no such transaction at any of them. I have had a freeze at all 3 bureaus since XX/XX/XXXX and when I checked, none had reported any fraud activity or credit check attempts. 

The Equifax service provides no additional information. I contacted them to ask them what this alert was based on. I was told it was up to me to investigate, that the alerts are usually " routine '' and might be up to 90 days old. In fact, the last transactions showing on my credit report for my XXXX account is fromXX/XX/XXXX!! I replied that I did investigate and found nothing, and needed details regarding the account number, date of transaction ( s ), vendor, etc. I was told again it it was up to me to investigate. They have refused ( or are unable to ) give me any information on this alert. In my attempts to talk to someone on the phone I have been put on hold, dropped on a transfer, and still not gotten any information. 

By their own admission, this is not an " early warning '' alert. It does not, apparently, reflect what is happening on your own credit report. Not only does Equifax not provide accurate information -- they do n't provide any at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: WA

Complaint narrative:
Ability Recovery Services , LLC has reported a collection account on my credit report which has seriously negatively impacted my credit. 

Despite me disputing this account with the credit bureaus multiple times, Ability Recovery Services verifies the debt belongs to me. 

Open date XXXX/XXXX/2017 Original creditor XXXX XXXX To date XXXX and XXXX  have yet to remove this ficticous or fraudulent debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MD

Complaint narrative:
I graduated in 2009 and Ed Financial is now my loan servicer. I was given the information and was enrolled in graduate repayment plan and was never offered or educated on loan forgiveness options. I was under the impression that I am under the plan which will qualify me for loan forgiveness. After making 42 on time payments when I contacted ed financial about how and where to upload my employment information I was Informed that I am not eligible and I have to start over. 
I am a XXXX XXXX with XXXX. This is beyond frustrating that i was never given the information or opportunity to learn about the program. After repeatedly asking for all my correspondence with them in which they keep directing me to enroll in Income base plan and start over as my only option, I need help from the consumer protection department.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase charged my XXXX credit card {$3300.00} even though my account with Coinbase has  been closed for over a week. 

There is no way for me to have authorized this transaction since my account with Coinbase has been closed for over a week. Also, there is no way for them to have given me anything in return for this charge since I no longer have an account with them. 

This is fraud on many levels. One, they keep my banking information and credit card information on file even though my account with them is closed. Two, they still charged it even though I do not and can not authorize a charge. Three, no message from Coinbase regarding this charge. 

I since contacted XXXX to have my credit cards closed and changed to new ones. I also had to set up extra security measures on my bank accounts to try and prevent additional charges Coinbase might try.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Nationstar Mortgage purchased my loan and converted it to simple interest. 
They then apply my payment which was made at the beginning of my billing cycle to the last day of my billing cycle, earning the maximum interest on the loan and making it stand still for several years. They change the name of the company to Mr Cooper and change the billing cycle day constantly to continue the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Every time I try to add a new app to my bank account it blocks me saying td bank in blocking you from opening any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: GA

Complaint narrative:
XXXX XXXX XXXX was given a opportunity to present verification of a debt that they were trying to collect on they were unable to provide the information that was asked for under the Fair Credit Act to validate this debt. They have been given numerous opportunities. Therefore i filed a complaint with cfpb their response was they basically have no rights to the information that was asked for and basically they 're not able to provide the info because they dont have it to give to me so therefore they should not be collecting on this debt if they can not provide the information and this needs to come off my credit because of the Fair Credit act that they were not able to validate this debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Payment was due XX/XX/XXXX. Payment processed / cleared XXXX XXXX  on XX/XX/XXXX. 

Next billing cycle dated XX/XX/XXXX includes late fee and interest. 

Called bank / lowes. Was given a time consuming run around.

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 2018-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CBV Collection Services Ltd.

Complaint narrative:
On X/XX/2018 at XXXX XXXX, a representative from this number : XXXX called, as they have done prior, earlier than allowed. I spoke with the representative briefly about this. not being acceptable to do, when the call dropped.

Company response to consumer: Closed with explanation