vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-16 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: NY

Complaint narrative:
Hi, This is in regards to inquiries made on my account. I recently accessed my credit report and found inquiries on there that I did not request or authorize, These inquiries are hurting my credit score and I would like to have them removed from my account. I contacted XXXX and Equifax, however, they said they are unable to help me in this regards. I tried getting in touch with the vendors who did the inquiry on my account and they were unable to assist me or provide proof of me requesting credit and they were unable to provide any details. 

Here are the inquiries made to my account that I wish to have removed : 1 ) XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 2 ) XXXX Inquiry from XX/XX/XXXX 3 ) XXXX/XXXX Inquiry from XX/XX/XXXX 4 ) XXXX XXXX XXXX Inquiry from XX/XX/XXXX 5 ) XXXX/XXXX Inquiry from XX/XX/XXXX Please remove these unauthorized inquiries from my report. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: NY

Complaint narrative:
There is an issue I have disputed several times with Experian regarding items listed which are past the statute, unverifiable and authorized user accounts only. Experian is the only agency listing this inaccurate data. Nothing is being done or even address or verified. I need help

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 2018-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GreenSky, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I was approved an installment loan from GREENSKY credit for {$5000.00} to have dental work done. I received an official letter of approval from them dated XX/XX/XXXX. A few weeks later I received a ten page loan agreement which gave me the payment amount each month but did not give a due date. I contacted Greensky and was told by a representative that I would receive an official bill in the mail giving me the due date. I never received that first bill. my next correspondence for them was a phone call in the third week of XX/XX/XXXX telling me that I was eight days behind on my bill due on the XX/XX/XXXX of each month. I explained to the representative on the phone that I never received a first bill and had no idea when I was to begin payments. I thought we had worked out a solution by changing the due forward to the XX/XX/XXXX of each month. I now get phone calls constantly telling me I am behind. they make explain their mistake over and over again, telling me they will adjust my billing cycle. The last call was today on XX/XX/XXXX, I asked to speak to a supervisor and she said that she had no control over the mail and am a payment behind and there was nothing she could do. I am being deceived and harassed. please help. Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
I use a service called " Coinbase '' to buy and sell digital currency. I have roughly {$5000.00} USD with this 3rd party and have had an unacceptable experience with their customer service.

Just over a month ago, my cellphone was stolen and so I had Coinbase freeze my account fearing unauthorized access to my funds. I have called and emailed Coinbase numerous times to resolve this issue and each and every time they give me vague reassurance that they will unlock my account eventually. Apparently this needs the attention of a specialist who evidently needs more than 1 month to click through a few links and unfreeze my assets. 

This customer service is unacceptable and even borderline criminal as my investments have declined in value and I have been locked out of making trades to protect myself. 

I want to put this issue forward with the CFPB in an attempt to warn others from this service. Hopefully this will also draw attention to their customer service shortcomings and give their clients the respect they deserve!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: TX

Complaint narrative:
My loan was sold to XXXX XXXX but before doing so ACS shut down member access to their website constituting late fees applied to my account, principal and reporting to credit agencies!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: VA

Complaint narrative:
Hello : Experian is violating my consumer rights. 
I contacted Experian regaring 2 inquiries, XX/XX/17 XXXX & XX/XX/17 XXXX both were unknown, unauthroized, and no permissible. I contacted the creditors they have no info, no validity and could not provide proof and referred me back to Experian the bureau. Ive done that and have been failed. 
Contacted experian regarding an inacurrate, inavlid, unverified public record displayed on my credit profile. this too is specious. 
I suppled source data info and experian still did not correct the issue. please 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 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
There is a collection amount showing on my credit file for {$120.00} with Debt Recovery Solutions. Although the amount is not much, it is not mine and I should not have to pay or suffer from the negative impact it has on my credit because the account is not mine. I have been disputing this debt for months now. I have sent several letters to the collection agency as well as the credit bureaus, asking for some type of information on this debt. I have sent letters asking for the original contract with my signature, I have not received any communication from the collection agency or the credit bureau who allowed them to place this on my account without validation. This debt needs to be removed from my credit file immediately because I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: TX

Complaint narrative:
CRA VIOLATION / INACCURATE INFORMATION ON MY EXPERIAN CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE ACCOUNT NEVER LATE.

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 2018-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXXor XX/XX/2018, I requested my bank Wells Fargo to place a stop payment to XXXX XXXX in the amount of {$220.00}. On XX/XX/2018, I was charged {$31.00} for the stop payment fee. To my surprise, on XX/XX/2018, when I checked my checking account, XXXX XXXX successfully withdrew {$220.00}. I immediately contacted Wells Fargo to ask why was XXXX XXXX paid {$220.00}, XXXX XXXX of Wells Fargo gave me a ton of excuses even though she saw that I had a stop payment to XXXX XXXX for {$220.00}. I was asked to get transferred to a supervisor and that's when I was talking to XXXX XXXX who did the same as XXXX. She gave me a lot of hot air was not able to explain to me why the bank made the error. Instead, both XXXX and XXXX said I need to fill out a dispute form and that once it gets investigated ( 10 days later ),  that I would either receive the funds back into my account or not. This bank is the absolute worst!

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 2018-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX 2017 XXXX credit card reward certificate {$370.00} Was never printed in my XX/XX/2017 statement. Ive asked to have one sent me bc it never was. XXXX said they cant reissue. Really your going to keep my {$370.00} dollars?? I want my certificate reissued this is a scam. They dont put the certificate in the statement on purspose and keep you 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 2018-03-16 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I received my Equifax annual free credit report online today XX/XX/2018, and my date of birth is incorrect. They also have my current address listed as a former address and my former address listed as current. The only option offered to dispute this is a link to a website, https : //www.ai.equifax.com/, and the page won't load.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD Bank took an automatic withdrawal of {$10000.00}, rather than {$1000.00}, from my checking account on XX/XX/XXXX. They refuse to process the refund in a timely manner, informing me that it will take up to ten business days. It has now been ten business days, I have no money in my checking account, and do not know what path to resolution there is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX. Email them from there website to stop call me at XXXX for a collection that my husband owns them XXXX. I told them on Monday, XX/XX/, that I would pay it on Friday,XX/XX/XXXX. and of course, they contacted me again. the day was not over for them to call me again. I Personally feel that I was being harassed by the company because my husband owning them money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.

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 2018-03-16 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:
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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:
In XX/XX/XXXX I filed a Bankruptcy Chapter XXXX, this debt was included as part of the case. On XX/XX/XXXX XXXX filed a Notice of Assignment of Claim and Transferee Notice of Transfer of Payments. From XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX XXXX   TO XXXX ( XXXX XXXX XXXX XXXX . A JOINT NOTICE OF TRANSFER OF CLAIM PURSUANT TO FRBP RULE 3001 ( e ) ( 2 ) AND WAIVER OF OPPORTUNITY TO OBJECT was also filed. On XX/XX/XXXX The ORDER OF DISCHARGE was granted to XXXX XXXX and XXXX XXXX. on XX/XX/XXXX and XX/XX/XXXX I started to receive letters demanding payment for this discharged debt. My husband has made a number of calls to them and had our Attorney who handle the BK call and sent them copies of the Assignment and Joint Transfer. We also sent them a copy to which they replied back on XX/XX/XXXX acknowledging that the loan has been paid off with a XXXX balance. Between XX/XX/XXXX and XX/XX/XXXX XXXX sent me a new monthly bill and reported a 30 day late to the credit reporting agencies dropping my score by 65 to 80 points.

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 2018-03-16 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: American Debt Consolidation
State: TN

Complaint narrative:
In XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX. I was looking to consolidate my student loans because XXXX was charging me {$590.00} which was definitely unaffordable as a single parent. I was told that I qualified for the student loan forgiveness program and if I paid three payments of $ XXXX would then make payments of {$60.00} a month and after 10years my loans would be forgiven. In XX/XX/XXXX I called XXXX XXXX XXXX XXXX again because i had not heard from anyone or received any paperwork on my payments I was then told to pay A one time payment of {$5.00} to XXXX and then my payments would start. Almost a year later and XXXX is calling for a {$590.00} payment. I think I have been ripped off!! I Need my money back!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY EQUIFAX CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
I keep receiving frequent, incessant phone calls from a company that asks for me by First and only part of full name. They offer themselves as XXXX XXXX. I have repeatedly asked them to cease calling my nbr  and was told that they would respect my wishes ; however, have cont 'd and I believe increased calling.

Furthermore, I share the Nbr they are calling. A lady yesterday was told that I was not whom the person was speaking to and that moment someone besides myself was asked for info that they should not and the caller identified herself, company and gave up way too much info ; including, my private, protected info. The family member asserted that this is not the correct practice to solicite info and give up info and the lady quickly stopped ; however, upon call 3 more times, she was told to stop calling the nbr ... She agreed and yet, they continue to call multiple times and sometimes back to back ; including hanging up ...

XXXX is one nbr  that called at XXXX on XX/XX/XXXX ( sub no contact request and grant ) XXXX ( SAME ) at XXXX XXXX SAME nbr  : XXXX  and XXXX XXXX XXXX as well I have copies of phone records and witnesses to repeat dialing, solicitation of private, confidential info to personal family and work members and refusal to stop calling me during work hours and on work phone.

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 2018-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This company has garnished wages without providing verification of debt and without notifying the courts they are collecting the debt on behalf of XXXX XXXX for account XXXX, Ive spoke to a legal representative and requested for her to provide validation of debt and she said theres already a garnishment in place so they can collect on debt owed which is actually from XXXX XXXX and not XXXX XXXX. This company has also refused to oblige by their pledge to stop collections efforts on accounts suffering from financial hardship with documentation. I have provide FMLA paperwork to XXXX XXXX more than once, this information was taken into consideration with their collection department but not their legal department and this company is suppose to be one entity. The representative Ive spoke to stated that I DID NOT MEET THE CRITERIA with the legal department but the criteria was met with the collection department. He did not request for additional information and said he can not disclose what else is needed. This company practice unlawful acts when collection from consumers, and although the accounts are suppose to be cease and desist I was still contacted by mail from this company and not through law which is a violation of 33-18-1004 and subject to civil penalty.

Company response to consumer: Closed with explanation