vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-15 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: ALLY FINANCIAL INC.
State: IN

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX to remove inquires i did not authorize. I spoke with a XXXX rep and told him which ones needed to be removed, he confirmed the ones that needed to be removed and the call dropped. As I called back and was on hold for about 20 more minutes I got another XXXX rep I explained to him what the other XXXX rep was doing about deleting the unauthorized inquires before the call dropped, however she was rude and did not care. After talking for about 5-10 more minutes, needless to say she did not help me with what the original XXXX rep was willing to do. There are XXXX inquires from XX/XX/XXXX and XX/XX/XXXX from car loan places. None of these places had my authirization to pull my credit or anything relating to this matter.

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 2017-12-15 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: NC

Complaint narrative:
On XXXX XXXX 2017 I disputed a report from TransUnion regarding an old XXXX account that is well past 7 yrs old. It is still under investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was given money via PayPal sent to me using the friends and family method upon trying to withdraw it to a previously verified checking account the transfer was reversed my balance was then frozen, and I was only shown a screen that stated that I was not allowed to have a PayPal account, saying I was in breach of thunder user agreement. I did nothing to warrant this. I followed the agreement 's guidelines explicitly. At no time did I stray outside of those guidelines. When I attempted to speak to a representative I was informed that they were going to keep my money for 180 days. I was shocked by this because PayPal is not only pretending to be a bank, when in fact it is illegal for a transmitting company to operate under banking guidelines, but they were going to do so under false pretenses of protection. It clearly states in the user agreement that their protection policy does not apply to any transaction including birth buyer or seller ( of which I 'm neither ) if money was transferred via friends and family. No goods or services were exchanged so chargebacks do n't apply. 
The next representative I spoke with told me to withdraw my funds I had to send them a copy of my ID. That no one had ever been able to withdraw funds without an ID. In the user agreement it states to withdraw funds you must 1. Verify a bank account. - I did that a month ago 2. Verify a debit card- also did that a month ago 3. Upload a copy of social security card - done weeks ago.

The agreement states that if at least 2 of those actions are completed a account holder may withdraw funds. 
Unless you 're me. Then your XXXX money is frozen and you get lied to by PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15 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: MicroBilt / PRBC (formerly CL Verify)
State: CA

Complaint narrative:
Today, I found out from the credit report provided by XXXX that MICROBILT which is unknown and strange company to me got my credit inquiry on X/XX/2017. Also I got to know that the company 's business type is auto reseller. In fact, I have already bought a car with finance on XXXX, 2017 and do not have any reason to ask credit inquiry about the automobiles at that time. 

At the moment, there was no amounts or actions disputed with them. Nonetheless, I am very sensitive about why they tried to get my credit inquiry because I did not give my permission to them as far as I remember. I appreciate you slove my issue as soon as possible. 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I am a mortgage holder with XXXX XXXX, a mortgage servicer, They recently changed their image/name and now go by Mr. Cooper, I have been making payments as usual monthly payments on a monthly basis. A few months ago, my neighborhood was hit by hurricane Irma. I was contacted by Mr. Cooper advising that if I was affected by the hurricane that they had a forbearance program that would allow me to pay a minimum per month {$100.00} on my mortgage for 3 months and that they suggested that the balance of each month still owed would be added at to the end of the overall mortgage payment schedule, which I was ok with and continued to make the minimum payments that was agreed between the mortgage company and me. Since that time, I have been trying to reach them to discuss the agreed upon arrangement we have made. I have been trying to reach the company, XXXX XXXX multiple times on a few different numbers that was listed on the payment statement. Each time I tried a different number I always got the same recorded message to XXXX XXXX XXXX. They continue to send me these statements and telling me to call them. I continued trying to reach them and the call always going to the same voice message a XXXX XXXX XXXX. I feel like they are intentionally avoiding me and to not discuss thus forbearance arrangement we have made creating an impression that I am defaulting on my mortgage, of which I 'm not in default. I would like to get to the bottom of this matter and talk to the lending company on this dilemma. No one is calling me and I 'm continuing to get statements and notes are being left at my door indicating importance to contact them. While no one will return calls from my messages on the many times I would leave them, I am in the dark with the forbearance arrangement we agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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 non-monetary relief
Consumer complaint received 2017-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have disputed this account for the last year or so every month for the fact that this company can not and will not truly verify this account. I even called XXXX to speak to them and I talked to a gentleman that was even confused in why XXXX XXXX would say they have no payment history on this account. Every time I dispute it comes back verified but the only thing that changes is the " First report date and date of status '' which in this case is XXXX XXXX. I have been turned down for credit because the reason is recent delinquency. It is this account that this denial is talking about because if this account was reporting correctly it would be a few years old. The XXXX representative understands why I keep disputing it because it is not reporting correctly. I have even called XXXX XXXX which was in XXXX and XXXX XXXX, XXXX. Both times I was told that their is no payment history and when I mentioned that XXXX XXXX fails to verify and report correctly, I get the response " you paid the account so there is no payment history and we are only the collection company so we do not have a lot of information on your account ''. I asked if XXXX XXXX could remove the account off my credit report since it is not being reported correctly, and I was told a fast " NO ''. Like I said I have disputed this account monthly for the last year and I wrote two letters in the last 3 weeks. But I was told from the representative at XXXX XXXX that it wo n't change anything by writing letters. In the letters I submitted proof in what I am talking about the First report date and date of status keeps becoming the present month we are in, instead of the true date of status of payment. The XXXX Representative told me that this account was assigned to XXXX XXXX in XXXX XXXX, but on the credit reports it says 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 2017-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX-XXXX-2017. Coinbase communicated to me via email to confirm new devices with IP address  from XXXX and XXXX, asking me to immediately disable the account in case you do not recognize these activities I live in XXXX, and so I followed their advice by disabling my account through a link sent to me by coinbase. The problem that now I can no longer access my account and I 'm worried about my deposited money, the support always responds with a robotic message. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For fraud and scam Thank you for this chance

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: OH

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 2017-12-15 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: CORELOGIC INC
State: NM

Complaint narrative:
I have XXXX hard inquires on my credit report from the same company that I dont recognize. Theyre from XXXX and theyre hurting my credit score. Its unfortunate that these are on my report. I dont recall making those inquires.

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 2017-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cash Express, LLC
State: AL

Complaint narrative:
Yesterday I was contacted on my job by the manager of this location. Not only did they call but they called about six times. My coworker explained that it sounded like a child. Everytime she would put her on hold and I try and pick up the phone they would hang up. She was disguising her voice. I was able to take pictures of the time stamps of the caller id showing the calls and the time stamps. I went into the store to pay and the XXXX was saying that I owed XXXX. I gave XXXX XXXX. Once I got the receipt it only showed I owed {$540.00}. So I told them to give me my {$96.00} back. The manager refused. At this point I 'm not sure if this lady is trying to keep my money but how can you change me something that 's now showing on the receipt. I also asked for a print out of my payment history and was told I could not have that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: National Financial LLC
State: DE

Complaint narrative:
I got a payday loan on XXXX XXXX XXXX. I called a few days after saying that I revoke authorization to debit my account. I got into a bad car accident on XXXX XXXX XXXX and had to be rushed to the hospital which I have documentation from state police. I was on bed rest for two days and was scheduled for a re-evaluation afterwards. I was not able to physically visit the lenders office due to my injuries and have to pay for my medical expenses and transportation. Again I specifically called the office and spoke with XXXX and requested that my account not be mishandled and to revoke authorization to debit my account. On XXXX XXXX XXXX around XXXX I receive an alert on my cell phone saying that my account has been overdrawn XXXX dollars from XXXX XXXX XXXX and another XXXX overdraft fee. I told them prior to the unauthorized transaction that I need to set up payment arrangements and XXXX did not take my request seriously and failed to act on my request on behalf of the company. I believe that fraudulent activity is happening due to my case and is directly correlated to the unauthorized transaction on my account. I was told by XXXX that he was going to debit my account anyway and if it comes back unpaid then and only then he will set up a new payment arrangement which is malicious. He is not the owner of the account and does not have the authority to chose to deny my request to leave my account alone, but since he took it upon himself to charge my account against my wishes, now my account is overdrawn {$100.00}. I would not recommend this company to anyone and I want the charge reversed due to fraud and unauthorized use of a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
On XXXX XXXX XXXX my husband and I were both approved for XXXX by Usaa for two auto loans. My husband purchased a new 2017 XXXX XXXX in XXXX, and on XXXX XXXX, I purchased a 2015 XXXX XXXX with 37,883 miles from XXXX XXXX XXXX for 26,745.50. Upon the purchase I called Usaa on the dealership phone because my cell phone battery was now dead, so in the presence of my husband, XXXX XXXX the finance manager, and XXXX my sales person, I gave all the information and we discussed the terms of 72/82 months and the interest rate of 4.59 % with a payment of XXXX as per my previous discussion which included the gap insurance. I received a call from The dealership three months later in XXXX informing me that Usaa had not funded the loan. I along with XXXX XXXX the finance manager spoke with someone in escalations at Usaa and they assured us in will be handled in two days. The loan funded, but to my surprise as I kept calling Usaa to understand why after the funding, my payments are conflicting to say the least. One note have the loan amount financed as XXXX for terms of 12 months interest rate of 5.3277 % and payment of XXXX, then the second note shows XXXX was financed with a 5.3252 % int rate and monthly payment of XXXX this is predatory lending. I was told by both XXXX XXXX ID # XXXX, and XXXX ID # XXXX that the representative XXXX choose the incorrect terms, and both acknowledged it was Usaa mistake, but the only way to resole the issue was to refinance the loan. I filed a complaint with the Office of the Comptroller of the currency and i received a call from XXXX XXXX in the office of the XXXX, who still insists that refinance was the only resolution, i agreed and give the okay to pull my credit and was denied due to not having enough credit. This is predatory lending and i did not agree to any of these terms. Prior to the loan funding Usaa did n't even see my car in their system, they are trying to cover their unscrupulous behavior, and Usaa should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
This is a follow up complaint in addition to my first one that was sent on XX/XX/17 evening, after sending my first complaint, my wife was finally able to reach a representative of BBVA, after trying for almost two weeks ; however, after speaking with the BBVA rep, they told my wife that BBVA did not receive our XX/XX/XXXX payment, and that we were 43 days late, and they had turned our account over to collections. 

We paid our car note payment for the month of XX/XX/XXXX on time, and my wife sent a copy of the payment to the BBVA representative, and after the BBVA rep received our proof of payment that was made in XX/XX/XXXX, they refused to receive our payment for XX/XX/XXXX ; and stated they had to get the XX/XX/XXXX payment issue fixed first. 

This shows incompetence on BBVA part, because they somehow lost our payment that was sent on time in XX/XX/XXXX, and to make matters worse, they were showing us being 43 days late, which means they could have scheduled our vehicle to be repossessed without us knowing it ; all because of their incompetence. 

We dont understand why BBVA is being so difficult, and I cant reiterate enough, that it does not make any good sense as to why BBVA will not allow us to make our car note payment online anyway! 

BBVA have been so unprofessional, we have wondered if we were really making payments to the real Bank!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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 trying to complete the ID verification process at Coinbase Inc for the past two days. Their system indicates that customers will experience slow response times. There is only one way to upload and ID for verification via the app and no other option. My funds are being held hostage as I can not execute a sale until they verify my driving license. Very poor experience - I was also on hold for over an hour. Likely a similar experience for many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: MD

Complaint narrative:
report incorrect debts on my report and refuse to take accounts off

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15 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: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
I wrote back in XX/XX/XXXX how specialize loan servicing kept my payments going up and up so I did a modification and it lower my payments and my agreement was to pay 3 months of the modified amount on time .... I did that ... on my credit report it shows a LATE PAYMENT I WAS NEVER LATE PAYING THE AGREEMENT ... I called them they stated since I was in modification and did n't pay the FULL amount they reported it as late. Is that fair? why do this company get away with ruining ppl lives. I was one time each month. can this really report false information? can you please look into this cause that is false I paid each month now my credit report showing for 3 months I was late please help me get this restored cause they need to change the wording on this I was on time not late

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 2017-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: COAST PROFESSIONAL, INC.
State: FL

Complaint narrative:
I attended the UNIVERSITY XXXX XXXX XXXX at the beginning of the school year, but had to withdraw due to medical issues. XXXX places a debt in my name to the collection agency COAST PROFESSIONAL INC. COAST PROFESSIONAL INC placed the debt on my credit reports.After reviewing and getting to the bottom of everything the school figured that I do not owe the fees that are on my reports and contacted COAST PROFESSIONAL telling hem to cancel the account due to a medical withdrawal and XXXX balance. However COAST PROFESSIONAL have yet to remove it. tried contacting this company but have been getting the run around and told different things. They said that they cant get me any info as to whether they have contacted the credit bureaus or not. They stated that they were indeed contacted by the school, but need to verify more info. Im not sure what more they need to verify if the school gave them the info that they need to have it taken off of my credit files. They also said that the account is closed with them but yet to remove the info off of my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation