vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-26 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX XXXX Account # XXXX I was never 30, 60 or 90 days late in the month of XXXX and XXXX XXXX. 

I 'm not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2017-12-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BlueChip Financial
State: GA

Complaint narrative:
I borrowed XXXX which cost me three times as much. Didnt really realized made 5 payments at XXXX still owe them. Cant pay because trying to get my social security I am XXXX years old and live with my mother. Not working and they are harassing my XXXX year mother 4 or 5 times a Day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
I purchased a new XXXX XXXX XXXX on XXXX XXXX, XXXX. It was financed through GM Financial XXXX XXXX. XXXX XXXX XXXX TX. I got sick with XXXX and was XXXX in that same year. I fell upon hard times and was ultimately given XXXX XXXX XXXX XXXX. I tried to keep up the payments but I could not so on XXXX XXXX, XXXX I voluntarily surrendered the vehicle. The amount financed was XXXX and residual balance after the sale was XXXX. I received that notice on XX/XX/XXXX which was 14 days after the vehicle was sold at a private auction. It was sold on XX/XX/XXXX. I called GM that same day they offered to settle for XXXX. I explained I did not have that much and was living with my brother, the best I could do was 25 % ( XXXX ) I was told they would check with managment. I did not hear back from them. I responded in writing on XX/XX/XXXX and made them an offer to settle for 25 % or XXXX. I had that much in savings. I told them in the certified letter to advise within 10 days if this was acceptable. I did not hear back from them so on XXXX XXXX I sent them another letter advising I was sending a check for full and final settlement of XXXX. They deposited the check so I figured the matter was over. I then got another letter on XX/XX/XXXX offering to settle for XXXX in addition to my first payment. I sent them another certified letter stating I considered the debt settled. Now they call every week daily trying to settle on the full amount of XXXX. I spoke to them today and offered to pay an addition XXXX which was the first settlement offer even thought I was not admitting liab just to get them to stop harrassing me. I was refused and told that I must pay the entire residual balance or they would turn me into a third party collections agency. At that time I withdrew my offer of {$1500.00} additional to settle. I think I have done everything possible to amicably settle this matter even though I feel my liabiliy ended when they accepted my full and final settlment check. Please resolve this matter as the stress they are causing me is affecting my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: LEXISNEXIS
State: IL

Complaint narrative:
I have disputed public record items with LexisNexis. Their response was incomplete. I requested the method of verification and the procedure used to determine the accuracy of the items. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
An unidentified vendor has been charging my checking account {XXXX}, every week since XXXX/XXXX/XXXX. I have n't been able been able to identify who the vendor is. On my Bank of America checking account, it just says the following : XXXX ( 4-digit date, i.e. " XXXX '' ) Social Payments XXXX CA ( transaction number, i.e. " XXXX '' ) Please help! I thought this might be for social media, but it does n't appear to be connected to any of the other accounts I currently pay for ( like XXXX or XXXX ). 

Thanks for any help you can provide.

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 2017-12-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CT

Complaint narrative:
I run a small social service company and for about two years I have been told I qualified for XXXX towards my student loans. This year I was told I did n't qualify because we are not Non-profit. We service the states XXXX department, and local tribes and families that have children with XXXX and severe XXXX XXXX. I do n't understand why all of a sudden we do n't qualify. The description says non-profit or social service. 
This is also bothersome because my workers that have student loans start to think about leaving because their loans do n't qualify as well and leaves a small agency like mines struggling for qualified workers. I have contacted XXXX numerous times and they are of no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On Tuesday, XX/XX/XXXX, I transferred close to XXXX coins of Bitcoin Cash valued at roughly {XXXX} from XXXX to my XXXX wallet. The transaction made it into the Coinbase wallet but never arrived into the XXXX wallet. 

On XXXX, it currently says it 's Pending and it will be released at whatever the current time and date it is when you observe it, however, the funds are n't available. 

When you look up the transaction, you 'll see that it was confirmed on the XXXX and spent on the XXXX meaning that the transaction was completed and that XXXX is now holding the funds. 

I 've been emailing and calling Coinbase support multiple times for the past seven days with no answer at all other than one template email with an FAQ page that does n't address my issue. I have not spoken to one real person and they are simply ignoring me and holding my money ransom. 

I sent over my funds to XXXX because I wanted to sell when each coin was XXXX XXXX+ but I was not able to so. Coinbase has made me lose potential profits because the coin has severely devalued since then and the whole market changed dramatically in the past week. In addition to losing potential profits, I lost actual currency I had invested because I was not able to sell all week. 

They wo n't even take the time to give me an explanation of what 's going on, if my money is safe, if I 'll get it back, when I might expect it, nothing at all. Not one word, not even a statement on their website that they are having issues and we can expect an update at some time. Highly unprofessional and it makes me severely worried entrusting my funds to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: NC

Complaint narrative:
My name is XXXX XXXX. Equifax does not want to remove a charged off account from my credit report that is not mine. I have never had an account with XXXX XXXX and yet Equifax is reporting that I have a {$16000.00} past due account with this company. The account number on my credit is # XXXX. I have sent disputes since XXXX XXXX and to this date, I have not received a proper response as to why they are making this mistake on my credit. The worst part is, I have already called this creditor company and they can not find my information in their system. They are telling me I need to dispute this account with the credit bureau in order to have this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I keep receiving phone calls from Portfolio Recovery, even though I keep telling them that they are calling my cell-phone, and that I want them to stop calling me at this number. The most recent call was from ( XXXX ) XXXX, and the caller stated that her name was " XXXX XXXX. '' I informed her that I have repeatedly told Portfolio that they are not permitted to call me on this number, and they refuse to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
THE XXXX XXXX XXXX HAS NOT PROPERLY ADDRESSED MY ORIGINAL COMPLAINT # XXXX TO MY STASFACTION. 
THEY INSTEAD, MAILED ME THE ENTIRE XX/XX/XXXX STATEMENTS. 
WHEN I CALL 'D THEIR RESOLUTION SPECIALIST [ XXXX XXXX ] ON XX/XX/XXXX AND XX/XX/XXXX AND LEFT A MESSAGE BOTH TIMES I NEVER GOT A RESPONSE. 
THIS PYMT ON CARD # XXXX DURING XXXX.S REMITTANCE WASNT APPLIED CORRECTELY, AS I WAS TOLD IT WOULD BE 2ND ... ..MY XXXX BILL CALCULATIONS ARENT ADDING UP I WANT XXXX 'S SUPERVISOR TO CALL ME AND CORRECT THIS ILLEGAL ACTIVITY AND NO LONGER TAKE ADVANTAGE OF THEIR CONSUMERS!!

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 2017-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: Netspend Corporation
State: NC

Complaint narrative:
On Thursday, XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, NC, to cash a money order. I filled out the necessary forms and was told that a checking account would be opened for me. I stated that I did not want the account. My money order was cashed, I was told to press several buttons ( Green and Red ) on the credit card machine, and then I was given a packet of information describing a checking account ( XXXX XXXX XXXX by XXXX ) that was opened for me. The cashier told me that the account was opened automatically for everyone and that I would just have to call XXXX and cancel the account if I did n't want it. I called the phone number provided as soon as I left XXXX XXXX XXXX and was told by the representative that I could only close the account if I paid a {$15.00} closing fee. I explained that the account was opened without my approval, but the representative insisted that I had to pay the fee. I asked to speak to a supervisor and was connected with XXXX. XXXX also said that I needed to pay the fee. When I refused, he stated that I needed to return to XXXX XXXX XXXX to have the account closed without a fee. When I pressed him on why the bank itself could n't do this and that I was going to contact the CFPB, XXXX placed me on hold. When he got back on the phone, he stated that he was closing the account and waiving the fee. He stated that this would take 1-2 days. On Tuesday, XX/XX/XXXX, I received a text message stating that my XXXX XXXX XXXX Debit Card was mailed. I called XXXX again to check why the account was n't closed. I spoke to a representative who said that the account was escalated to a manager, but not closed. After being placed on hold several times, the representative told me that I could only close the account if I paid the {$15.00} fee. When I explained my previous experience and the resolution given to me by XXXX, the representative said she understood my concern, but offered no resolution other than me paying the fee. I asked to speak to a manager to resolve the issue. I was placed on hold for 40 minutes before ending the call.

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 2017-12-26 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
My complaint may not fit the category that I chose. 

I recently took out a consumer loan XXXX XXXX XXXX. It has since been reported to the credit bureau 's. I 'm currently using the app XXXX XXXX, to monitor my credit because of the Equifax hack, and it 's reporting my credit score with Equifax has dropped XXXX points, bringing my score under XXXX. I contacted Equifax and they can not tell me over the phone what my score is. I have to pay {$8.00} to have it mailed to me. They also said XXXX XXXX gets their reporting information from a different source then where they do. 
But per the XXXX XXXX website it states that they do n't calculate scores, the score is provided directly from Equifax. So someone is providing false information. 

I want to know why my score dropped XXXX points. I expected my score to go down but not by that much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I called Wells Fargo because they were offering an opportunity to consolidate your credit cards and make payment interest free for 15 or more months. As part of the application that I did over the telephone, they asked which cards you wanted to consolidate. I told Wells Fargo my XXXX bank card, and my XXXX XXXX. On the XXXX I owned around {$8000.00} and the XXXX card around {$2500.00}. 
I received a letter in the mail tell me my application was accepted and I received a {$2000.00} limit. I did nothing because the card did not solve any of my problems. A week or two later I received a cardI did not use it becauseI didnt need another card I needed to consolidate my bills. I put the card in a draw. I received a bill in the mail from Wells Fargo stating they had paid {$1700.00} on my XXXX credit card. I called them and I was told it was up to me to get the money back from XXXX bank. The most they were willing to do for me was return the {$53.00} they charged me to transfer the moneyonce I return the {$1700.00}. 
I did not ask Wells Fargo to make a payment on my XXXX XXXX, I asked them to pay it OFF. Now I have two bills instead of oneboth of which I cant pay. They also are mess up my credit by using more than of their card. All of which I did not Authorize them to do.

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 2017-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have a debt collection on my credit report from XXXX XXXX XXXX worth {$500.00} and another XXXX XXXX XXXX XXXX. worth {$290.00} which I was not responsible for. I was involve in a incident where I was a Victim and needed medical attention due to this incident back in 2015.

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 2017-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I have yet to see the proceeds from my US wire transfer created on XX/XX/XXXX, yet an ACH transfer has arrived and the Coinbase site says the wire transfer was completed on XX/XX/XXXX. They state that Wire Transfers only take a day or two to complete, but it has been two weeks and I have not received my funds. 

The amount was in the thousands and it was sent to my bank on the same account as my ACH, which did succeed, so I know the bank information is correct. I have contacted my bank 's wire department and they have no record of any wires for that amount over the past couple weeks - so it was n't an issue with the account details being incorrect, my bank had n't received any wire for that amount for any account. 

I first contacted Coinbase support via their support ticket tool on XX/XX/XXXX - but only received " canned '' responses for issues totally unrelated to mine. I responded to the ticket several times, and got a different " canned '' response for a totally unrelated issue, and eventually Coinbase stopped responding entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
XXXX initial communication was on XXXX/XXXX/XXXX via certified mail. Action taken by XXXX accounts were removed from credit report on XXXX/XXXX/XXXX, as of XXXX/XXXX/XXXX they were put back on the credit report negatively affecting my score. The amounts of each are {$260.00}, {$620.00} and {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26 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: Colony Brands, Inc.
State: NC

Complaint narrative:
An order was placed online by my stepmother for a gift from SWISS COLONY XXXX. I was the recipient of the order. The company then proceeded to submit a credit inquiry on my behalf and created and account for this order and will be billing it to me without my permission. The did NOT get authorization from me to obtain my credit, apply for credit etc. They do not even have my Social Security #. But when I called to inquire how this happened they told me that they can submit an inquiry on my credit without my ss # by using just my name and address. My name was n't even correct in their system. They said someone can put in a name and address and can apply for credit from them, and that if it goes through then there is nothing that they can do. I again repeated back to them, that if I just give them any name and address in their online ordering system, they can process credit under that person name? They confirmed. This does not seem legal. I did NOT give them permission. My stepmother is sending them a notorized letter stating that she is the one responsible for the order and I also have submitted a dispute on my credit. But I need to understand how this is legal. Can a company process credit to you without your SS # and permission? 
Please help/

Company response to consumer: Untimely response
Consumer complaint received 2017-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Apple Law Group, Inc.
State: NY

Complaint narrative:
XXXX XXXX, CEO of Apple Law Group, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX Tel XXXX together with his employees has advised me several years back that upon payment to his company as a debt consolidation, my creditors will be paid back and settled. The program included direct withdrawals from my bank every month and on XX/XX/XXXX the program was paid in full to his company. To-date, my creditors were not paid by Apple Law Group Inc. I called XXXX 's office numerous times. His representatives have disconnected their phone numbers provided earlier at sign up. I was once told by phone that after XX/XX/XXXX it takes six months to settle and pay the creditors. It is XX/XX/XXXX and nobody at Apple Law Group Inc has paid my creditors or responded to me in writing or by email or verbally of the contractual obligation agreed and notarized in New York. This is a theft of money and non-performance of his company 's operation as agreed in writing. I demand an immediate settlement to my creditors by Apple Law Group Inc plus refund of all interest money collected by Apple Law Group Inc. The operation of Apple Law Group Inc is a scam and totally unreliable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-26 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: Total Card, Inc.
State: AZ

Complaint narrative:
Requested verification, validation, as they are clearly reporting incorrect info to the major credit bureaus. Sent letters to XXXX XXXX XXXX XXXX XXXX AND XXXX, XXXX, and XXXX to which they all say they 've verified the account. However, if they had properly verified anything they would have noticed all of the inaccurate info as I did. I have copies of current credit reports, and letters from XXXX.

Company response to consumer: Closed with explanation