vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-20 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 wrote to the Attorney General about this erroneous debt collection from XXXX XXXX XXXX. I had 2 auto loans during the period of XXXX to XXXX and was overcharged and taken advantage of for having poor credit, being charged over 23 and 26 %. I reported this to the Office of the Attorney General and was supposed to be included in a Class Action Lawsuit led by Office of the Attorney General in Illinois and XXXX XXXX was ordered to be the Administrator and they sent out notices for money damages and also consumers would be allowed to keep their current vehicles and others have their past loans forgiven by having their credit reporting be removed. I am a part of the class action and I got a letter from the Attorney General 's Office in CA and have sent them several emails and certified letters that XXXX was NOT removing their collection of over {$13000.00} from my credit report. To this date, it still shows up on ALL my 3 credit reports. I have written to ALL the credit bureau agencies and showed them this letter and they also continue to break the reporting laws and XXXX continues to be defiant and harass me and ruin my life by failing to remove this from my credit reports. I can not get any good decent job for almost 7 years now and I can not buy any decent car nor a decent home with the poor credit. I want money damages for this and immediate removal from my credit reports. I want CFPB to enforce the laws and help me with this!

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 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I already sent a complaint here that I sent a dispute letter asking for verifiable proof of the accounts on my credit report. And I sent a follow up letter because I did not get a response to the original dispute. I don't know if someone is playing games with me or what, but you responded back that you don't believe it's me sending the complaint. Well it is me, and my complaint is that XXXX is the date of my original dispute, XXXX is the date of my follow up letter because I didn't get any response from you regarding the dispute of these accounts XXXXXXXX XXXX-acct XXXX and XXXX- acct XXXX. Section 611 ( a ) states that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been well over the time allowed according to the codes and laws so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you are causing me. I have included my dispute letters, a utility bill, my drivers license, and my social security card to make sure you know that this is me filing these disputes and complaints. Also, my information was impacted by the XXXX  data breach and probably the wrong person got a hold of my info.

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 2020-11-20 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: General Motors Financial Company, Inc.
State: HI

Complaint narrative:
Reporting late payments, which is incorrect Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
bull city placed two accounts from XXXX hospital in collections on the 3 credit bureaus I applied for and was approved for 100 % financial assistance and Bull City the collection agency for XXXX was to notify all credit bureaus and remove the amounts of {$840.00} and {$310.00} and will no do so. I have the letter showing I was approved I spoke with XXXX and they informed me they had spoken to Bull City and instructed them to remove them from my credit reports and they still have not. I included the letter showing I was approved and they go back 3 years and pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: HI

Complaint narrative:
Reporting late payments, which is incorrect Reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: HI

Complaint narrative:
Reporting late payments, which is incorrect Reporting.

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 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
I never had account with company I personally contacted them and they stated they also had no knowledge of me ever having a account with them I was giving incorrect information and addresses when I contacted the company and spoke with them I verified and provided information that I never had a account with them in 2020 or any other time and when I refused to give address and personal information they threatened legal action and garnishments and back account levies

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 2020-11-20 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: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I PAID THIS ACCOUNT OFF LVNV FUNDING LLC ON XX/XX/2020 THEY PROMISED THEY WOULD REMOVE IT FROM ALL 3 CREDIT BUREAUS IF I PAID IT BECAUSE IT WAS TOO OLD TO SUE FOR. SO I DID PAY IT OFF AND THEY DID NOT REMOVE IT FROM CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I have been using Coinbase since XX/XX/2017 and two weeks ago, I got an email that they will no longer allow me to be their customer. They did not want to give me any reason or explanation why they are closing my account and the email just stated that I violated their rules. I was advised by Coinbase to log into my account and withdraw my funds as the process of closing my account has started. After I had withdrawn most of my funds in my account, soon, I realized that I am missing USD XXXX currency and also missing another currency which I had purchased in their site. My USD currency was somewhere around XXXX XXXX something dollars and my other cryptocurrency were exactly XXXX XXXX XXXX tokens. I write an email to Coinbase that I am missing some funds from my account which I don't see and I therefore I cant withdraw them and I would like to get my funds before they close my account. They have replied to me four times now and every email I get from Coinbase customer support is basically repeating the same thing that I have to login to my account and withdraw my funds. I have send emails with screenshots and have explained numerous times that what they are advising me is not possible, because my funds are not shown in my account therefore there is no way for me to withdraw my funds. The way they have edited my account is I can only withdraw my funds now since the account is pending closure, but my USD and XXXX funds are missing and I can't withdraw them. All of my other funds were there and were successfully withdrawn, but the missing funds are still with Coinbase and it seems they are not doing anything to provide me with information or support on how to get my funds available so I can withdraw them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Charlottesville Bureau of Credits, Inc
State: VA

Complaint narrative:
I PAID VALLEY CREDIT SERVICE IN FULL AND THEY PROMISED TO REMOVE IT FROM ALL CREDIT BUREAUS AND DID NOT! I PAID IT IN FULL XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank charged an Analysis Service Charge in my business checking account with them without any reason. 
I called an spoke with a very rude Manager, her name is XXXX XXXX ( Customer Service Manager ) I asked information but she refused to provide information because she said that she can only have access to a personal checking account, not true because I called before to the same customer service and they assisted me with my business account issues. 
Next day in the morning I called and spoke with an agent in the business customer service depto, he said that fee was charged by error in my account and he would request for a refund. 
I waited 2 days with my account overdraft and the fee was not refunded, I am not able to call the business depto because they working hours matches with my working hours and when I finish my work they are close, so the day that I had to call them, I called off to my work losing profit because the issue that US Bank caused me. 
After waiting 2 days for the refund I called Us bank again and the same lady XXXX XXXX came to the line more rude than the first time and I just was looking for answers of why I was lied before about the fee refund. 
I lost money not working because this issue and still not resolved. So probablyI will have to call off tomorrow against just to call Us Bank to see what is going on with that Analysis Fee which is not included in the fees description at the time of my account was open.

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 2020-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been banking with Simple XXXX since 2015 and have been really happy with their budgeting tools. But I am now seeking to access my funds to purchase a home and have had significant issues with customer service responses and times. I have 2 days to send a deposit and simple has not transferred the funds on the date they promised to my other bank account so that I can wire the deposit. I have over XXXX in limbo ( no longer in my account ) but not in XXXX XXXX records ( the receiving bank ). I have called customer service and waited on the phone for a total of over 4 hours. No one has answered. Ive sent messages online and received a few very unhelpful responses. I am close to breaching my contract because I can not find out where the XXXX I sent actually is and they are not answering the phones.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: Webcollex, LLC
State: VA

Complaint narrative:
cks XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX agreed to remove the collection from all credit reporting agencies XXXX XXXX XXXX etc if I would pay they collection in full which I did on XX/XX/20 they also promised a letter of satisfaction within 6 days never received that either. I paid this debt in full and they need to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I follow citi bank web off link step by step open citi bank XXXX account deposit more then XXXX XXXX dollar. within 5 month I call customer service they always say I am qualify. now after 5 month they say my code is no qualify. I never put code when I open account. I just follow link to open account. I didn't know code. now they don't pay XXXX bonus.

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 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX AGREED TO REMOVE THIS COLLECTION FROM ALL CREDIT BUREAUS IF I PAID IN FULL WHICH I DID AND THEY HAVE NOT REMOVED IT FROM XXXX XXXX OR XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-20 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: Radius Global Solutions LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX AGREED TO REMOVE THIS DEBT FROM ALL CREDIT BUREAUS AGENCIES IF I PAID IN FULL WHICH I DID AND THEY DID NOT!

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 2020-11-20 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: PA

Complaint narrative:
I SEND OVER 5 LETTERS TO GET THIS ACCOUNT DELETED ACCOUNT # XXXX ON XXXX AND ACCOUNT # XXXX EQUIFAX. 
I CIRCLE ALL THE DATES ON THE AND MISTAKES ON PHOTOS. 
I SEND A LETTER RECENTLY THIS MONTH AND TOLD THEM IT WASNT MY ACCOUNT THEY SEDN BACK UPDATED I DIDNT ASK FOR ANY INFORMATION TO BE UPDATED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the Equifax breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: CA

Complaint narrative:
I was never known as XXXX XXXX. Thats my uncle. You may have mixed-up my file and all my other family members account are on my file.

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 2020-11-20 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: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
CALVARY PORTFOLIO XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX AGREED TO REMOVE THIS DEBT FROM ALL CREDIT BUREAUS AGENCIES IF I PAID IN FULL WHICH I DID AND THEY DID NOT!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I received a debt collection notice from Genesis Debt Collection. XXXX XXXX XXXX placed the collection on XX/XX/20 for {$280.00} with no explanation. I never used XXXX XXXX Services. I tried to call the company but the company has a voicemail saying no debt collection will not be discussed on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the XXXX  breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

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 2020-11-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the XXXX breach and I feel my information may have fallen into the wrong hands. Please delete immediately.

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 2020-11-20 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: CA

Complaint narrative:
I was never known as XXXX XXXX. Thats my uncle. You may have mixed-up my file and all my other family members account are on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 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:
I was never known as XXXX XXXX. Thats my uncle. You may have mixed-up my file and all my other family members account are on my file.

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 2020-11-20 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I PAID OFF 3 ACCOUNTS WITH PORTFOLIO AND THEY AGREED TO REMOVE THEM FROM ALL CREDIT AGENCIES XXXX XXXX XXXX  ETC ... I PAID THEM ALL OFF AND THEY DID NOT REMOVE THEM!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
MIDLAND FUNDING WAS PAID IN FULL ON XX/XX/20 THEY AGREED TO REMOVE IT FROM CREDIT BUREAUS AND NOTIFY THE COURT COURT CASE # XXXX WITH A LETTER OF SATISFACTION SINCE THEY GOT A GARNISHMENT. THEY WERE TO TO DO WITHIN 30 DAYS OF THE DEBT BEING PAID. THEY HAVE NOT NOTIFIED THE COURTS NOR REMOVED FROM XXXX XXXX OR XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX THEY NEED TO SEND THE COURTS LETTER OF SATISFACTION AND ALSO REMOVE FROM CREDIT AGENCIES AS PROMISED

Company response to consumer: Closed with non-monetary relief