vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MI

Complaint narrative:
XXXX XXXX ( LDF Holdings ), continues to harrass me with phonecalls to both my cell phone and place of employment in regards to an old payday loan. I sent them a certified letter on XX/XX/19, at which point I revoked their ACH Credit and Debit authorizations. I also explicitly told them that they were not to contact me further via phone at home or place of employment about this debt. The loan that they provided me with was illegal per Michigan law, and they have no leg to stand on with their " rent-a-tribe '' scheme to evade state usury laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-10-29 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:
XXXX  ; Experian and XXXX are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-10-29 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:
TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA.

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 2019-10-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I've been using Experian for quite a while to build my credit and in the last few days they took my score down 21 points for paying my bills on time or before they were due. I've paid over 2000 in credit card bills that I paid before they were due so I wouldn't get interest and I lost 21 points because of this. I'm not going to be able to refinance my home in XXXX because of what these people have done. Although they may not see that in using my credit they can see I'm making payments. On my cards and loan plus car. This is un called for, you can't take 21 points from someone for paying their bills early or on time. I have no late payments and one hard inquiry from a loan I got at XXXX XXXX 's. But within 4 days it dropped 21 points and I'm not sure how I'm going to be able to refinance my home unless you fix this. You took the points for me paying my bills and that's so wrong. I need them back and I need the points I've earned this month for paying my bills so I'll be at XXXX by XXXX and I can refinance my home.

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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I called LVNV Funding a month ago. In a recorded conversation they stated that if I provided them with the letter from XXXX XXXX they would remove the collection. How are you collecting on a debt that the original furnished say that I do not owe. I will also include XXXX XXXX in this dispute so they may be contacted. XXXX XXXX determined that this card was opened due to fraud and updated my accounts according. In fact deleting it from all credit bureaus, but XXXX who refuse to keep good records and who has not updated my account with my new accounts or did anything they should is the only major credit bureau still reporting it. I have attached some files and also the recorded conversation between LVNV Funding and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I did have to lift the freeze on my credit report earlier this month. The handling of that effort was detailed in an earlier complaint. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX This is a separate complaint. 

On XX/XX/XXXX, I received a letter in the mail from Equifax stating that they had processed my request and the credit freeze was lifted between XX/XX/XXXX and XXXX. 

The first point I'd like to make is that these letters are not sent in a timely manner. The last ones arrived after the freeze had already been reinstated. 

However, more importantly, I did not request a freeze be lifted between these dates. I don't know where this request came from and when I called the company today all they would tell me was that I called them and requested it. Even after I assured them I did not. No one can give me any explanation for this. 

This company is extremely aggravating to deal with. Its one thing to establish that the person calling is who they say. It is another to ask vague questions such as " did you ever have a consumer loan and if so what was the monthly payment '' " Did you ever have a closed store account '' as the basis of establishing your identity. They also apparently don't like that my credit union where my auto loan is identifies itself by initials. I'm annoyed with the amount of time I've had to spend on the phone in the past month due to their processes. I'm also annoyed that the employees can state that you failed to establish your identity even though you provided them with the correct answers to the questions they asked. And now they are telling me that I requested a freeze be lifted that I am 100 % certain that I did not. If this agency had a stellar reputation that would be one thing. But they do not. And they hold way too much power over people to handle their customer service the way that they do. 

I would like to know how a credit lift was placed on my file when I did not request it,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MD

Complaint narrative:
On Wednesday XX/XX/XXXX I made a purchase over the telephone with a XXXX representative using my Discover credit card. 
My sister also used her XXXX XXXX credit card to make a purchase in which they denied saying the company called XXXX was fraud, so they rejected her payment. 
I immediately called Discover to have them not authorize the transaction. They told me that they had already approved the transaction. They asked me to call back in a few days once the payment showed posted. I called Discover back on XX/XX/XXXX to advise them that the charge would need to be disputed. They asked me to call them back after my trip to XXXX to show that the services were not rendered. I called Discover once again on XX/XX/XXXX, They advised me that I would need to open a case with them to have this disputed. I also called the company that is fraudulent, XXXX to tell them that they need to give me my money back because no services were rendered. They argued with me for about 20 minutes saying they were going to send me my flight tickets through email however I never received them. What I did receive was a made up itinerary which consisted of leaving from XXXX XXXX, arriving in XXXX XXXX and on the way back showed flying into XXXX to XXXX XXXX. My trip was from Washington DC to XXXX. On XX/XX/XXXX I got a letter from Discover saying they did there investigation and found the charge to be valid. On XX/XX/XXXX I submitted more documentation to open the case back up for further review to show supported documentation that this company needs to be shut down, blocked from there system, and my charge back is valid. On XX/XX/XXXX, I got a letter from Discover again saying the disputed transaction was not in my favor and that I am responsible for a {$1100.00} transaction that I never got services for. I called Discover on XX/XX/XXXX and asked for a Manager to contact me about this. On Friday, XX/XX/XXXX XXXX ( a supervisor at Discover ) Called me to tell me that I would need to take additional steps outside of Discover to resolve this. Here I am now filing a complaint with CFPB, I have contacted the Federal Trade Commission and my States Attny generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: IL

Complaint narrative:
XXXX XXXX is reporting incorrectly to Equifax ; XXXX   and XXXX a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: NY

Complaint narrative:
Not my information reporting on my Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Collection Systems, Inc.
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: IL

Complaint narrative:
XXXX XXXX is reporting incorrectly to XXXX  ; XXXX   and Transunion a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-10-29 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: IL

Complaint narrative:
XXXX XXXX is reporting incorrectly to XXXX ; Experian and XXXX a balance in the amount of {$9700.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) Per the agreement with XXXX XXXX, I returned the defective vehicle within the time allowed under the Lemon Law. There is no outstanding balance due and owing and therefore nothing to report. This account needs to report a {$0.00} balance and {$0.00} past due. This incorrect reporting of a balance due is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

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 2019-10-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
On Friday, XX/XX/XXXX a man came to my home claiming to be a representative of Mr. Cooper. He appeared to have an ID badge on, but I was unable to look at it. He stated that he was there to check on the property and to give me information that would allow me to meet with a Mr. Cooper representative in person about my hardships regarding paying my mortgage. I refused to take the envelope he tried to give me and I informed him that I had already been in contact with Mr. Cooper and my assigned Specialist was XXXX. I also let him know that I made a payment on XX/XX/2019 for the XXXX mortgage payment and that I am working with XXXX at XXXX XXXX XXXX XXXX. I called XXXX ( ext. XXXX ) and asked her about this interaction and she did not really give me an explanation for this. She said that people do go out to the property and that it is typical, but I felt like she was trying to skirt around the issue. I and XXXX from XXXX XXXX XXXX XXXX called Mr. Cooper on XX/XX/2019 and spoke to XXXX in Oregon ( ext. XXXX ). She stated that someone had inspected the property on XX/XX/2019, but they do not typically talk to the homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: AL

Complaint narrative:
I NOTIFIED ALL THREE CREDIT BUREAUS ASKING THEM FOR A VALIDATION OF ACCOUNT FOR XXXX XXXX ACCOUNT XXXX. THIS ACCOUNT NEEDS TO BE DELTED FROM MY CREDIT REPORTS.

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 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/2019 a XXXX XXXX balance of {$7000.00} was transferred to a recently opened Capital One Quicksilver credit card to take advantage of their 0 % interest rate for 15 months. Much to my dismay I am getting charged 25.74 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am two months behind on my capital one credit card. They sent me an email that I could bring my account current by paying {$110.00} by XX/XX/19. In the meantime I have been harassed by an excessive amount of phone calls to collect the balance, including multiple calls in one day and calls on Sunday : XXXX XXXX - XX/XX/19 XXXX XXXX   XXXX - XX/XX/19 XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX ( Sunday ) XXXX - XX/XX/19 XXXX XXXX ( Sunday ) XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX XXXX - XX/XX/19 XXXX XXXX  There is a fee for request of phone records. Will request if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TX

Complaint narrative:
I ' need help sending documents to trans union because I don't believe they sending over proper documents I send and finish my investigation to fast been victim of identity theft and need help correcting my credit report Report number 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 2019-10-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Circle Internet Financial

Complaint narrative:
On XXXX XXXX I did a login to www.poloniex.com ( Poloniex XXXX, XXXX, MA, USA with NMLS ID : XXXX ) I got a 2FA code to my registered email and was successfull in my " Dashboard ''. 
My bank account from Poloniex got XXXX confirmed last year. 

I started to payout XXXX Ethereum ( ETH ) and XXXX Bitcoin ( BTC ), which was XXXX ( XMR ) before I exchanged those coins to BTC. 

Both, ETH and XMR were selfmined with my private computers and for a wallet address to store those coins I was using the service of Poloniex LLC. 
On XXXX XX/XX/2019 ( XXXX CET ) I got a message, that for security reasons my transactions are canceled. 
I have to log in from a known ip address. 
I can not serve this option, while my ip address will change from time to time ( dynamic IP from my local ISP ). 
Then they answered after hours I have to login to the App. I refused this and was not happy, but anyways I tried it with the App while it was already installed since last use of Poloniex. 
Suddenly my account was downgraded to unconfirmed, without any reason. 
I have to KYC verify again. I have no more view of my login, coins, wallets or anything In some days on XXXX XXXX Poloniex is leaving the US markets with a new founded company in XXXX.

Company response to consumer: Closed with explanation