vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My tax refunds were deposited into another bank account at my current bank Wells Fargo. This happened on between XXXX XXXX through XXXX XXXX of XXXX. Both returns are close to XXXX. 
I have contacted Wells Fargo several times as my taxes refunds were never deposited into my bank account. As per Wells Fargo, there is nothing that they can do. Wells Fargo refuses to take responsibility for clearing a XXXX and XXXX check that was deposited into someone 's else accounts when the checks names did not match the name of the person in which my tax refunds were deposited. 
As of XXXX/XXXX/XXXX, I have not received my tax refunds because the person took the money out of their account and Wells Fargo refuses to help me with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I purchased some XXXX and XXXX ( two different digital currencies ) through the Coinbase application on my XXXX phone. The digital coins were deposited into my account, and now the the coins can not be sent out to other digital wallets. Coinbase is effectively happy enough to take my money, but now it has been about a week and they still wo n't allow me to send the coins out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent documentation to the three credit bureaus to remove XXXX XXXX XXXX from my credit report along with a letter from XXXX XXXX. The file was not removed from 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 non-monetary relief
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
On or around XX/XX/XXXX, XXXX sales representatives of XXXX XXXX stopped by my apartment and offered to provide utilities at a cheaper rate than our current provider. I was not home at the time, but my husband refused their services. On or about XXXX XXXX XXXX, I received a notice that XXXX XXXX was my new utilities provider. I contacted XXXX XXXX over the phone to contest the " contract '' and they informed me that they had an oral recording of my husband requesting their services. They would not provide me with that recording and also informed me that the cancellation fee was {$500.00}. On or about XX/XX/XXXX, I received an invoice from XXXX XXXX. At that point I contacted the apartment complex front office and asked them why my utility provider had changed. The complex, XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX TX XXXX, switched me back to my previous provider, XXXX XXXX XXXX XXXX XXXX also informed me that they were filing a complaint against XXXX XXXX and that at least three other tenants had reported similar issues. XXXX XXXX sent me a disconnection notice on XX/XX/XXXX, their last written communication. On or about XX/XX/XXXX, I received a letter from Professional Debt Mediation stating that they were attempting to collect a debt, originating from creditor XXXX XXXX, in the amount of {$470.00}. They also informed me that they would submit a negative credit report, which I have since confirmed.

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 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
XX/XX/XXXX = called at XXXX XXXX XX/XX/XXXX = called XXXX XXXX XXXX XXXX  and XXXX XXXX  XX/XX/XXXX called XXXX XXXX and XXXX XXXX all calls are to my cell phone XXXX which is on Do Not Call registry and at all hours of the night, they have called after i am asleep and after cease and disist times.  sometimes multiple times a day. the number does not return to anyone. i have contacted the main line for national credit and they are not sure this is them calling but that is wh pops up on my caller ID when I called they gave me information about the debt attached to my phone number without certifying who I was. If I had been fishing for information it would have been given easily.

caling from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ditech Financial LLC
State: KY

Complaint narrative:
I co-signed for my daughter on a mobile home and filed bankruptcy in the year of XXXX on the account but the account number was somehow changed. Therefore, a collection agency still continues to harass me for the debt. ( My daughter has since then moved on leaving a balance owed. ) The collection agency has been given this information as well as credit bureaus but both have ignored the complaint. 

Please help me resolve this issue. 

Thanks in advance for any help you can give me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: KY

Complaint narrative:
In XX/XX/XXXX I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, XXXX, and Experian. I even submitted a letter from the XXXX XXXX court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.

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 2017-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I recently applied for credit and discovered that I had been sent to XXXX XXXX XXXX XXXX XXXX out of XXXX, Florida for what was originally {$86.00} and now an {$87.00} debt. 

I was never advised nor given the opportunity to dispute the medical claim which XXXX  records reflect was assigned back on XX/XX/XXXX and the first day of delinquecy was XX/XX/XXXX. 

I have disputed this dept via XXXX and they advised me that XXXX XXXX XXXX XXXX sustain the debt because the " name and address provided are still the same ''. 

I am attaching a copy of the written letter of dispute being sent via certified return receipt requested. 

Furthermore, in the state of Florida, the Statute of Limitations for a written contract is five years XXXX ( 2 ) ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC
State: GA

Complaint narrative:
I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.

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 2017-09-08 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 contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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 contacted the credit bureau and XXXX XXXX XXXX regarding an error or my credit report. I received a notice from the credit union. The entry on my account reports as a charge off. This is incorrect and there was no balance. I request this entry is deleted entirely 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 2017-09-08 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: NC

Complaint narrative:
XXXX credit reporting agency have inquiries on my report i did n't authorized. 
here are the unauthorized inquiries XXXX -XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX7 & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX credit reporting agency have inquiries on my report i did n't authorized.
here are the unauthorized inquiries XXXX XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/XXXX & XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: PA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX these are unauthorized and its affecting me getting credit i never applied for anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I became aware of the Equifax cybersecurity incident/data breach on X/X/2017 and went to the website https : //www.equifaxsecurity2017.com/potential-impact/ to determine if my data was part of the breach. I clicked the button " Check Potential Impact '' and was prompted to enter my last 6 digits of my SSN and my last name. Unlike the information provided on the page with the button suggesting that I would receive a message telling me if my data was subject to the breach and giving me the option to enroll in TrustedID Premier, Equifax 's system automatically enrolled me in TrustedID Premier without any confirmation on my part. I was not offered information on if my personal information was a part of the data breach unlike what is explained on Equifax 's website nor given the option to choose to enroll or decline to enroll in TrustedID Premier. On XX/XX/XXXX at approx. XXXX PDT, I called Equifax at XXXX and spoke with XXXX . XXXX told me that my information was part of the breach despite not collecting any personal information on the phone call but could not confirm what data was breached, instead referring me to the same website that would not confirm if my data was breached. He also claimed that TrustedID Premier would email me 72 hours after my ( unauthorized ) enrollment, despite never providing an email address. XXXX also referred me to the FTC and gave me the option to cancel TrustedID Premier, which I was unsure about because I never chose to enroll in it and I am unsure if I cancel it if it would prevent me from enrolling again once I weigh details about the program. At this point, per Equifax, it appears that my data was affected, I have not been told what data was affected, and I was enrolled in TrustedID Premier without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: KY

Complaint narrative:
In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with XXXX, Transunion, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.

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 2017-09-08 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: KY

Complaint narrative:
In XXXX 2017 I filed a dispute of an error of a chapter XXXX bankruptcy dismissed with Equifax, XXXX, and XXXX. I even submitted a letter from the US District court stating that they did not report any bankruptcy on my credit report. All 3 credit bureaus disregard my evidence and refused to delete this error on my credit reports thus hurting my ability to obtain credit. I have never filed bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXXI wired {$400.00} from Bank of America to my XXXX XXXX account at XXXX XXXX. When the money did not appear in my account I inquired with Bank of America, Options House ( now apparently part of XXXX ), and with XXXX.
At Bank of America I called every phone number associated with my account, and for hours was transferred to phone menu after phone menu by customer service reps and the automated phone system. Today I went to a branch where the banker experienced the same run around, and could not locate my funds.
When I contacted XXXX XXXX I was informed that the XXXX XXXX account they have been using for years was closed. and that the wire would be rejected. After a week it has not been returned to my account. I had a similar set of conversations with XXXX.
Still no money.

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 2017-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Capital One Auto Finance repossessed a vehicle that was in my possession on or around XX/XX/XXXXin Louisiana. Under the laws of the State of Louisiana UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. I was never received a certified letter nor any other type of correspondence or notice to reposes before the vehicle was taken. I have sent several letters to Capital One beginning from date XX/XX/XXXX up until the last letter which was sent XX/XX/XXXX. I requested a copy of the letters that they claimed to have sent to me. They letters that they said where sent out, where sent to an unknown XXXX XXXX that is NOT affiliated with me nor my spouses credit file. The address was not known by either of us and has never been an address affiliated with us which means we never knew that the vehicle was in repossession status. I sent an email to the CEO of capital one auto finance on or around XX/XX/XXXX in hopes that he would look further into the matter. He only sent copies of what was mailed out to me, but that did not prove that they where sent to the correct address. The repossession is still showing up on my credit report as a charge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: Blackhawk Finance
State: IL

Complaint narrative:
I have reviewed my credit reports and I see that a company by the name of " Blackhawk Finance '' has placed a charge off on my reports. I have no recollection of said account with the company. The company is out of business according to the Better Business Bureau nor is it accredited.

Company response to consumer: Untimely response
Consumer complaint received 2017-09-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Please see attached files. I have put all my information in those files. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I did not authorize this company to pull my credit onXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-08 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: Global Lending Services LLC
State: GA

Complaint narrative:
I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXXand it is affecting me getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and it is affecting me getting credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Newman, Mathis, Brady & Spedale
State: LA

Complaint narrative:
The creditor agreed to accept a lump sum of XXXX $ cash to cancel the debt and not go thru the attorneys and I paid it to his company and now he the creditor is still trying to collect the debt by having his attorney XXXX XXXX send me a petition for garnishment of wages. I have emails and proof of bank payments made up until I paid the XXXX $ cash. 

My request is also for the company to please validate the debt ; by sending all original documents with signatures etc. to me asap

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