vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
I have a Coinbase account with approximately {$62000.00} dollars in it. I have tried 35 times over the last 2 days to attach the front and back pictures of my Driver 's License as requested. They claim that the need arose due to AML rules. They already have my information from when I originally opened the account so this may be a delaying tactic. I have deposited funds and withdrawn funds up until Tuesday morning X/X/17. I have tried loading the documents approximately 10 times via my computer from scanned documents and approximately 25 times from my XXXX XXXX. I do n't believe the site is really working. The failure happens so fast that I bet their servers are clogged. Meanwhile I have lost the opportunity to withdraw funds costing me several hundred dollars. All they have are auto-bots for assistance and no live people. I sent them two e-mails but of course they claim they are being overwhelmed and we should expect a response in a few days. From what I have read on blogs this is a delaying tactic by them and they send form e-mails out as part of their delaying tactic. If they indeed believe they are a financial institution as they state then the State of CA. should investigate them. I have no confidence in them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: MI

Complaint narrative:
Last month discovered quite a few hard inquires on my report that I did not authorize. I reached out to the furnishers and I have collected responses. ( I previously filed a 90 day fraud alert ) To expedite matters O would like the credit reporting agencies to act on these items immediately. I have enclosed the letters referencing the dates and hard 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 2017-08-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I called to cancel my Citi Premier card because the annual fee was coming up. Their retention department convinced me to keep the account open, but convert it to the Citi Double cash card. They assured me there was no annual fee on the new card, and that I would not be charged the annual fee for the Premier card, since it would be closed. I agreed and received my new card shortly there after.
However, I noticed that the annual fee from it previously being a Premier card was posted and rolled over to my new Double cash card account - {$95.00}.
I called to inquire why that fee was on there and was told it will be 'systematically credited in a few months ' So now I have a {$95.00} fee that I have to pay, even though I have not used the new card. This fee was the exact reason I called to cancel, and was told I would not be charged it since the account is closed. Asking me to pay it, and getting it credited back later, is not a reasonable request.

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 monetary relief
Consumer complaint received 2017-08-10 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: AL

Complaint narrative:
There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You

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 2017-08-10 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: AL

Complaint narrative:
There is an unauthorized credit inquiry on my report. I let them ( XXXX, XXXX, Alabama ) run a credit check on XX/XX/XXXX. I checked my credit on XX/XX/XXXX and saw that another inquiry was done without my permission. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: MI

Complaint narrative:
I had a 90 fraud alert put on my credit report due to some unauthorized hard inquires in the past few months. I have reached out to the furnisher 's and informed them of the situation and most if not all have sent a response. I have collected them in order for the credit reporting agencies to act swiftly in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
I have a collection on my XXXX credit report. When I sent Franklin Collection Services a letter about it they sent me a letter for the item listed. It has the last four of my SSN but the name on the debt does not belong to me. I want this removed immediately. Please see all attached docs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I sent a wire of XXXX to my coinbase account and it was supposed to be credited within 1-2 business days. I am on the fourth business day and it 's still not credited. I followed the instructions fully.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: KS

Complaint narrative:
XX/XX/XXXX and Equifax are incorrectly reporting a State Tax Lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: MI

Complaint narrative:
I have had a Fraud alert placed on my credit profile, for unauthorized hard inquires. During that another attempt was made on my credit. I have since reached out to the furnisher 's of the hard inquiries and have included the documents.

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 2017-08-10 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: KS

Complaint narrative:
TransUnion and XXXX are incorrectly reporting a State Tax Lien.

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 2017-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Results Unlimited, Inc.
State: VA

Complaint narrative:
I received a letter from RESULTS UNLIMITED, INC on Friday XX/XX/XXXX claiming that I owed XXXX XXXX ( my old apartment complex ) {$130.00} I called the company ( ( XXXX ) XXXX ) TuesdayXX/XX/XXXX at XXXX. Gave the young lady my name and she wanted my address I told her they sent me a letter so it 's the same address. At that point she proceeded to tell me if I did not update and give her my address she could not send me to whomever I was to speak to regarding a debt that I supposedly owed. She told me when I called back with my address then I could speak to someone. I hung up, waited a couple of minutes and called back. Same lady answered the phone, I gave her a bogus P.O. Box Just to talk to someone. I was on hold for approximately 3 minutes. Once XXXX came on the phone I gave her my name and asked her what this DEBT COLLECTION letter about. XXXX then proceeded to ask me was I working and answered YES. Then she wanted to know where I worked. I told her I was not giving her that information. I do not know who she was or who the company she represents was. XXXX then told me then, that she could not help me. I told her that what ever this is about I am disputing the claim, and that I was not giving her my employment information. She then tells me that they will then just see me in court. I did not argue and simply said ok and then turned around and called the CFPB where I spoke with XXXX and here I am now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: CA

Complaint narrative:
XXXX transferred a student loan ( for one of my children ) to Great Lakes. I was notified by mail continuing through XX/XX/XXXX that this would occur. I have paid all the bills as presented up to now, but I received an email from Great Lakes in XX/XX/XXXX saying that I, "... appeared to be behind in my XX/XX/XXXX payment ''. I never received any communication from Great Lakes about paying a bill, and I always tell lenders that they need to mail me a printed statement, and I will not pay electronically, I made it clear to Great Lakes that I am not going to pay a {$17.00} late fee on a payment I never got. Obviously, money is not the issue. I demanded through three ( 3 ) representatives on the phone that they would be paid as soon as they sent me a XX/XX/XXXX bill, and one for XX/XX/XXXX, too. They sent me a " Student Loan Obligation Statement '', stating that I, "... had requested it. '' I did not request it, I demanded a bill. There is no return mailing address on the aforementioned document. I am mailing copies of all relevant documents to you, XXXX XXXX, Great Lakes and XXXX, so that they may decide among themselves who has to pay the late fee to XXXX XXXX, the owner of the loan. I have suggested to Great Lakes that they should pay it, since it was their error that generated the late fee to begin with. They said I would have to take that up with XXXX XXXX. which I have done, but you are being cc 'd on all of this, and that fact is noted on the other letters to the other parties. I fully expect Great Lakes to resolve this issue, including mailed billing statements, to my favor with no negative reporting, whether they come to the conclusion on their own or are compelled to comply. Thank You.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: GA

Complaint narrative:
Transunion had a glitch in their system that added back inquires that were deleted without notifying me prior to them being added back.
These are inquiries from XX/XX/XXXX through XX/XX/XXXX.
Without proper notification within 5 days, these non- account bearing inquiries should be deleted immediately from my credit report.

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 2017-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CURO Intermediate Holdings
State: KS

Complaint narrative:
Speedy cash claimed I made an account with them in 2013. In 2013 I was able to receive any items like that because of the interest rate and because I was a military dependent which they are not suppose to give payday loan. Neither did i apply for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: GA

Complaint narrative:
To whom it may concern, I am fully aware Transunion has had two separate computer glitches in XX/XX/XXXX & XX/XX/XXXX that cause all my inquiries to get deleted. Due to the circumstances that those computer glitch was TransUnion 's problem - not mines - which caused my inquiries to be deleted. Later Transunion added them all back onto my credit report and failed to give me the legally required written notice 5 days prior to them re-adding the inquiries. I am well aware of my legal rights and legal protections. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added on numerous occasions. These inquiries add a hardship to my life and my rights have been violated by TransUnion. Please help me make TransUnion stop victimizing me. As a resolution, I ask that all of my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. I demand TransUnion not to be allowed to mock the CFPB 's authority by ignoring my rights.

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 2017-08-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Windham Professionals, Inc.
State: TX

Complaint narrative:
My wages have been garnished, by XXXX XXXX XXXX contracted thru E.D. gov. Unfortunately I was never notified of the garnishment process, or given the chance to dispute or voluntarily offer repayment, agency claims they sent a letter in XXXX of 2017, I honestly know that I did not receive a letter, actually I never even received a warning of garnishment from my employer either. I feel I was not offered a chance of repayment arrangments now that I 'm able and employed to do so, the Education department states that the agency will make numerous attempts to collect the debt or make options available, but in my case they did not, and I feel that they make false attempts and skip straight to garnishment process so that they get their money with out the process of making options available, so in reality they fraud the Education department with their claims of attempts to collect and they fraud people like me by not notifying me or giving me the chance at repayment options before consuming 15 % of my pay, I take the blame for being in this situation but still I was shafted by the process.

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 2017-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Inquiries on my transunion credit report came off earlier this year and were put back on

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 2017-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am an HSBC Advance Credit Card holder. Recently, my husband has experienced loss of work, so we have been late on our bills. I work for the XXXX so my husband of XXXX yrs and I are doing our best to make ends meet. I have been the owner of a single family home in XXXX, NY for 20 yrs and have never missed a house payment and never paid a late fee until recently ( only once in 20 yrs ). Unfortunately, during this stressful time, my other bills get paid a few weeks late or I set up future payments to different companies. I understand when an account is suspended, and typically return them to good standing as soon as I am able or by the next billing cycle. I am not in default on any loan or credit card. I have never filed a complaint with any agency in regards to any credit card issues before today. In the last several months, I have received on the average of 17-19 calls per week from HSBC. In the last 6 wks, I have paid them on 3 separate occasions which equals appx. {$500.00}. On XX/XX/XXXX, I  paid them XXXX. The following day, I received 4 calls from HSBC. This is harassment.  They call before XXXX and as late as XXXX and even before XXXX on Sunday mornings. I asked a representative to 'cease and decist ' from the constant onslaught of calls to my home. The calls continue. At present my phone has recorded 15 attempted calls from HSBC between XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 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: OH

Complaint narrative:
A glitch that occurred with TransUnion caused all of my Credit inquiries to be deleted. Transunion later added them all back onto my credit report without giving me the legal required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to remove the inquires that were illegally re-added. These inquiries add a hardship for me, and my rights were violated by transunion. I ask for your help in stopping transunion of victimizing me.

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 2017-08-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NC

Complaint narrative:
My second submission of my application was denied by XXXX XXXX on XX/XX/XXXX. My credit score was in great shape after my first submission of all required documents in XX/XX/XXXX where I didnt have my mortgage yet nor did I apply for any student loans yet, but my loan servicer American Education Services ( AES ) & XXXX XXXX declined my 1st submission without adequately contacting me directly to let me know there was an issue with one of the copies I faxed since they claimed recently that it was illegible. However I have a confirmation page with screenshots from the fax machine that I used the first time to prove that AES equipment ( fax machine ) was faulty back then. I thought this was settled since my first submission because I was not contacted directly given the fact I have followed up with AES right after my first submission over the phone. This caused my brother a higher interest in his business loan because of your negligence in maintaining your fax machines. Now, the second time I had to resubmit my co-signer release form after I just got a mortgage, andapplied for few student loans for graduate school where my credit score is not as good as it used be  in XX/XX/XXXX when I did my complete first submission. AES is very negligent along with XXXX XXXX, not appropriately contacting the customer via the phone or direct email on a timely manner, which caused my co-signer extra financial burden in his business decision making! XXXX XXXX did hang up the phone on me twice when I tried to explain the issue at hand! When I met the minimum credit standards in XX/XX/XXXX, I never received follow-up or update after my submission. When I resubmitted the second time in XX/XX/XXXX, I received a letter from XXXX XXXX denying my request due to not meting the minimum credit standards. I called their dispute center as indicated on their letter attached below, and I got hung up on twice. Funny business. I will also seek legal advice regarding this matter if I have to since my credit history and my fax confirmation page & documentation are in my favor in this matter! Both XX/XX/XXXXXXXX and American Education Services have more than 300 verified complaints due to their malpractices towards consumers in the following links : XXXX XXXX XXXX XXXX XXXX XXXX There is a a need for regulators to crack down on fraudulent negligent firms like AES and XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX is listing an incorrect account on my credit reports and refuse to send any validating information to prove the information they are reporting. I have requested details of the account summary, details of the interest rate and how they reach the balance on my credit report, and also validation that this is my debt. I have also complained that the payment history is reporting inaccurate as well, but Equifax and XXXX XXXX continues to report inaccuracies on my credit reports.

Company response to consumer: Closed with non-monetary relief