vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-14 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: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
My XXXX year old daughter opened an account ( cable, internet and  home security ) account with XXXX in XXXX of XXXX, without my consent. XXXX installed these services while I was at worked ; therefore, I signed no contract or legal documents. I stopped those services XXXX of XXXX after I moved and was assured by XXXX that there were no issues. 

I then starting receiving collection calls from Waypoint Resources Group LLC  # XXXX in late XXXX. I tried without success to explain the situation to the representative, but was yelled at and insulted. I then tried to reach out to XXXX to no avail, because the representative said he couldnt find me in their system. Then I disputed this with XXXX  and XXXX. Both wrote back that this is a valid debt. Finally, in XXXX of XXXX I called XXXX and the representative was able to find me in their system, but didnt have access to the information. I then requested to speak to a manager. The representative assured me that a manager would review the matter then call me back in several days. Several days after, a manager called me and told me that this balance of {$300.00} wasnt for early termination as I was told, but rather for a security device that wasnt returned. He then gave me a {$75.00} credit in the interest of customer service and told me that returning the devise would bring the balance to {$0.00}. At that point, the balance went from {$300.00} - $ XXXX {$230.00}. I asked him for couple of days to find the device. I found and returned the devices on XX/XX/XXXX. 

I checked my credit report and saw that the balance was now {$220.00}. I disputed it with XXXX  and was told to send the receipt verifying that the device was returned. I sent the receipt with the complete explanation and received a report that the report was correct. XXXX could not have verified this with XXXX, because XXXX would have authenticated its system generated receipt number and employee number. Secondly, XXXX  would have verified that the reduction in the balance was a credit from XXXX NOT a payment and where the {$10.00} difference came from. It seems like XXXX isnt verifying evidence but has an interest in these collection agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$1200.00}, {$800.00}, {$1000.00}, {$1100.00}, {$450.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- CLOSED ACCOUNTS 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
The company Coinbase is used by me to exchange, convert, and purchase crypto currency and USD. It is normal for users to have limits on the USD amount that can be spent using various methods of payment. My initial limit, which I can not recall, was raised upon verifying my identity as well as other requirements set by Coinbase to $ XXXX/week through my debit card and we'll above {$1000.00} via bank transfer. I recently sign in to purchase and exchange Bitcoin as usual, only to find that my limit was reduced to $ XXXX/week.  Upon my last login, my limit for bank transfer was reduced to {$0.00} and I was not allowed to initiate another purchase or transfer. I asked support why my limit was decreased, and they ave refused to provide a reason. Upon emailing support regarding the issue, I received a reply from " COINBASE SUPPORT '' denying that they are coinbase support and therefore can not assist me with my case. However, this email I sent, which they replied to making this false claim of identity, was in response to an email received from coinbase support, with a case number referenced. So, I don't know why I am being lied to, but, assuming they are telling me the truth, then this raised privacy issues and concerns considering I was never made explicitly aware that I would not be communicating with support from coinbase staff when exchanging emails about my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: WA

Complaint narrative:
I am a XXXX Veteran. This is reference to Veteran medical debt. I am being billed for a hospital stay. The Department of Veterans affairs  Authorized payment for all charges. This authorization was approved on XXXX. XXXX XXXX XXXX XXXX, the physician billing service has failed to process the payment and hired a debt collection service to come after me for the full amount. The debt collection Company CMRE continues to report this to my credit file and continues to bill me. It is a violation of federal law Title 38 U.S.C. 1703 to bill a Veteran for medical debt when the Department of Veterans Affairs has taken responsibility for the debt and issued a payment Authorization. The payment Authorization for this hospital stay on XXXX. XXXX XXXX is Authorization # XXXX. It was authorized on XXXX and can be verified with the Department of Veterans Affairs national community care office at XXXX. The Department of veterans Affairs called XXXX XXXX XXXX XXXX on XXXX and XXXX. Both time giving them all of the authorization information for payment. Both times XXXX from there insurance processing dept refused to delete this from my credit and has not followed through with processing. The Dept of Veterans affairs also contacted the collection agency CMRE on XXXX.They have had more than a reasonable amount of time to process this and is negatively impacting my credit and my health from the stress. The issue is not with me yet I am being punished. This is also a violation of the veterans protections in the fair credit reporting act section 603 15 USC 1681a as was amended in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
These accounts should not be found on my report because of too much inaccuracies. I already demanded them proof about the validity and the accuracies of the details of the reported accounts yet they do not hear nor take time to contact me about it. So here I am filing a complain against these companies who, I believe violated FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
When I tried to pull all three of my annual credit reports on XXXX, they all yielded errors. When I tried to pull XXXX  and Transunion, their site said an internal error had occurred and to try again later. 

XXXX  said something to the effect of " a condition exists that prohibits us from giving you your credit file online ''.

When I retried a week layer ( as is permitted under the new law to due with COVID-19 ), the website continues to tell me that i've already retrieved my annual credit reports " for this year '' and to come back next year.

There's a number of problems with that. As there is no way to contact www.annualcreditreport.com ( other than to give feedback -- they say not to give phone/email/personal info, as they have no way of
responding and will not respond ), I see no choice but to file a complaint with the CFPB.

Please assist me in sorting out the problems with ACR.

Why does their system not let me retry when there was an error on THEIR side? I understand that the XXXX  situation was perhaps out  of their control ... but the problem with TransUnion and XXXX  was *clearly* state to be an " internal '' error and to retry later. ( What does " later '' mean, if not right away or 7 days later? ) They do not appear to be aware of this issue with pulling credit reports. Ostensibly, they're still under the impression that I can only get them once per annum, but ( a ) that's not correct and ( b ) law permits me to get it weekly.

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 2020-10-14 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: NJ

Complaint narrative:
To whom it may concern, I was just looking through my credit profile and there are a lot of inaccurate information which i would like removed from  transunion, XXXX, XXXX  and other credit reporting companies. All of the following addresses are wrong and I would like removed off my file as these are not my address. The following addresses need to come off my report XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX nj, XXXX XXXX XXXX XXXX NJ, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX nj. The only address that is mine and accurate is XXXX XXXX XXXX XXXX NJ XXXX. As for my legal name you guys gave me down for multiple different names the only name that should be on my file is the following XXXX XXXX XXXX XXXX. Lastly my employment information is all inaccurate. The only employment on file that is accurate is 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 2020-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: FL

Complaint narrative:
BSI has been a nightmare to work with. They never return phone calls, the customer care department can't even send out e-mails. When I inquire about what they need from me to fix a problem, I have asked for the needed documents to be sent via e-mail. They tell me they can not email me.

Every person I have spoken to has given me the same response ; " I will be escalating this to a higher degree to have this resolved for you. I am fully committed to taking care of this problem! '' Guess what, I NEVER HEAR BACK. Nothing get 's taken care of and my problems still exist.

It is going on 3 months of dealing with this company to fix my issues, that do not stem from me. It's lack of communication on their end. Each person I talk to shoves my problem ( s ) off to someone else. Then I have to wait for them to call me, which never happens. I place
a call in again and have to start all over explaining what the issue is. And that's a repetitive cycle. OVER AND OVER AGAIN. I have spoken to over 5 different people explaining my issue. Over 5 different people have given me the same resolution ... NONE! NO RESOLUTION! Currently, my online account says I am delinquent in my monthly payment. However, I have sent in e-mail proof of a written check ( dated ) and confirmation of withdrawal from my bank account, paying the mortgage. BSI has not credited my account! I have received calls
from debt collection asking if I " PLAN ON MAKING MY PAYMENT ''. I HAVE ALREADY PAID, AND I HAVE EMAILED BSI PROOF OF PAYMENT!!

When I try to speak with a supervisor, oh, apparently they can not be contacted. A request has to be submitted for them to call you back. GOOD LUCK HEARING BACK!

If i could, I would withdraw from BSI Financial Services. I want nothing to do with this horrendous company. And there is nobody who will help me. 

On XX/XX/20, I called BSI once again to resolve the issue. The " CUSTOMER CARE '' individual told me, once again, " I will escalate this to the next level and you will receive a phone call before XXXX ( XX/XX/20 Eastern time ) to speak with someone about this issue. '' I bet you can guess what happened next. NO PHONE CALL!!!!!!!!!!! DISGUSTING!!

There is not enough time for me to explain all the issues with this company. My recommendation to you, if being transferred to BSI, BACK OUT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
my belk reward card was closed I didn't close it

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 2020-10-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
When I came to cfpb to report unethical practices of XXXX XXXX, they began to change the documents. I have a document stating that the charge off numbers and interest were the wrong amounts and it would be corrected. I also have document showing that they were to remove this from my credit reports in XX/XX/2020, which they did not. On XX/XX/2020, after I filed to the cfpb XXXX  XXXX  conspired with Mercantile. I received a letter in the mail from Mercantile adjustment bureau LLC trying to collect a debt that XXXX  has already admitted is the wrong amount and should be taken off my account in XX/XX/2020. 

XXXX XXXX  rushed to send this to Mercantile after I reported to cfpb to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
The reason for my dispute is Sequim ASSET SOLUTIONS XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, SEQUIUM ASSET SOLUTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) SEQUIUM ASSET SOLUTIONS  XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation SEQUIUM ASSET SOLUTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. XXXX  I fail to see where XXXX XXXX XXXX  is in compliance with OHIO LAW. I also have reported this account to the FTC, and  XXXX Police Dept. I need this collection account to be removed from my credit report. SEQUIUM ASSET SOLUTIONS  XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.

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 2020-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK
State: MI

Complaint narrative:
I paid off my Discover Credit card at the beginning of this year due to predatory interest rates. I was asked if I was sure and told it would be terminated by midnight. About a month later, I received a bill for a dollar and some change. I called to explain the account was paid, and it was confirmed it was indeed paid. I was then told they forgot to charge me and so I needed to pay in order to re-close the account. After paying more than twice the amount I charged, I said you can't reopen an account with an oops and begin charging again. I told it was closed, received a letter that it was closed and will not give them another dime. I continued to get bills with an increase of about a dollar a month. I called again and went thru the same mess. I then told them to stop billing me. I began receiving calls about the past due amount, went thru the same discussion again, and told them not to call my phone again. I've continued to receive bills and phone calls, with the most recent one being tonight at XXXX XXXX. from phone number XXXX, in which I told him to leave me the XXXX XXXX XXXX alone. This is harassment, This is debt XXXX, debt slavery, debt XXXX, and continued bulling through out the day and night. Please help me from this greedy, unethical, unprofessional, abusive, XXXX credit card company. I destroyed earlier bills but have copies of last two months. Please review the entire account, as the amount in the past 6 months were not consistent. I believe I destroyed a bill for {$10.00} and change, but now the amount due is lower. Check my entire history with these gansters!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: LA

Complaint narrative:
I sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent off all supporting documents to change my name, address, jobs, and inquiries I know nothing about on my report or the names and addresses are not affiliated with me. I have been extremely patient but they fail to take those things off my report after sending my documents numerous times. I was sent a letter back saying what I sent In wasnt that enough to verify that that is me and where I live.

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