vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
I started monitoring my credit using XXXX in XX/XX/XXXX. Upon checking my credit report, all 3 major bureaus listed Hunter Warfield as collections. I have never had any accounts or dealing with this company. I did not sign any  contracts with this company. I requested that they validate the account in which they are attempting to collect the debt by certified mail on XX/XX/XXXX. This company states that I owe them {$4300.00} and they are demanding that I pay this amount. They are insisting that this is my debt. However, it is not. They refuse to remove this information from my credit report, as it is wrong. Each month this company reports to the three credit bureaus raising the alleged amount of debt. This is proven to be injurious to my credit standing. I applied to XXXX XXXX XXXX XXXX to refinance my vehicle but because of this debt reporting for the above amount stated they were unable to refinance my vehicle.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-27 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: SC

Complaint narrative:
On XX/XX/2018 I filed a formal complaint with Equifax that they are reporting inaccurate credit information. I demanded to see VERIFIABLE PROOF ( an original consumer contract with my signature on it ) about these accounts because according to FCRA Section 609 ( a ) ( 1 ) ( A ), they are required by Federal Law to verify, through the physical verification of the ORIGINAL SIGNED CONSUMER CONTRACT, any and all accounts that they post on a credit report. Equifax simply responded by updating those accounts as verified and accurate and NEVER sent me this verified proof that I demanded. There is also a XXXXXXXX XXXX and XXXXXXXX XXXX inquiry on my report that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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:
XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my XXXX and TransUnion 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 2018-02-27 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: TX

Complaint narrative:
XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX received fraudulent information using my credit to secure a modification/refinance loan that belongs to my ex-spouse. All correspondence and documents were sent to an address I never resided/lived at. I have tried to resolve this issue, unfortunately to my dismay, this mortgage loan continues to appear on my Experian and XXXX 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 non-monetary relief
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I opened my account with synchrony bank for a tjx rewards card in XXXX. This account offers rewards for purchases. I have used my card for purchases which most times I immediately pay off resulting in no finance charges, only rewards. A few months after opening the account I received a letter my credit limit has been reduced to {$100.00} due to negative history on my credit report. Went in the store today XX/XX/XXXX and card was declined. Logged on to my account to see I had an amount of XXXX available. I called the company who read me a letter stating my account had been closed onXX/XX/XXXX due to negative information on my XXXX XXXX report. This will negatively impact my credit score. This company is fraudulent. I have to think they closed the account due to the fact I was incurring no interest charges but earning rewards. My credit limit should have never been reduced nor my account closed.

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 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
I have a COINBASE account in which I transferred XXXX from my bank account directly to their XXXX bank account ( details as provided by the coinbase app payment screen ). This was over 3 wks ago ( XXXX XX/XX/2018 ). 

The bank has confirmed that the money left my account and went across. 
The money should go into my coinbase account and should clear in 2-5 working days. However it still does not show and COINBASE are refusing to respond to my queries or look into the matter. I have sent 3 or 4 emails over the last few weeks to little response. They sent me a holding reply 2wks ago saying they will look into the matter ( a one liner ), but have not yet done anything about it. I am now down XXXX and a XXXX bank charge. 
Coinbase are supposed to provide crypto currency services but all they have done so far is stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: FL

Complaint narrative:
I recently submitted a dispute to Equifax regarding a XXXX XXXX account ending in XXXX. Instead of removing the since its an older account Equifax updated to report as " Repossession '' This was a chargeoff account that was paid through a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I was contacted by someone who knew everything about me. Name address social security number and phone. They frightened me, saying I would be served papers on a collection account ... and be subject to wage garnishment, tax interception, property liens. There is no such thing on my credit report. They sent me a contract to pay via e-mail. It has no physical address. It is very fishy. I'm scared because they know all my vital stats and feel it is probably data from a breach being used to trick me into paying money on a collection issue which has been long since resolved. I can forward you that document to look at. I at least would like professional second set of eyes on it. 

Thank You

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 2018-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BB&T CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXX. I made a deposit using cash app of XXXX. The deposit appeared in my BB & T account and then I heard reports on the news of a bank failure. I checked my account and I saw multiple over draft fees and that my transation was no where to be found. I checked with cash app and indeed they did transfer the money at XXXX. I personally saw the funds there. When contacting the bank, I was told that they have no record of the transaction. I have asked if they would like me to send them any records I have and they have refused to acknowledge that they ever had the credit to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: MI

Complaint narrative:
I sent the letter below via Certified Mail to Equifax. Equifax notified me by email that the dispute was complete but did not provide me with how the accounts were validated. I called Equifax over the phone and they advised me that they can not provide the way the account was validated. If they can not provide the way the account was validated then the accounts need to be removed from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX SSN : XXXX | DOB : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX, GA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX   XXXX unverified account XXXX XXXX XXXX XXXX XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account XXXX XXXX XXXX. XXXX. unverified account XXXX XXXXXXXX XXXX. XXXX. unverified account Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: OH

Complaint narrative:
I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

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 2018-02-27 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: OH

Complaint narrative:
I sent certified letters to the credit bureau and haven't received any response from the credit bureau in the last 3 months

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 2018-02-27 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: DC

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I had a debt. from a health care company turned over to collections with Transworld Systems Inc. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX  agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX  and XXXX   refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX for XXXX XXXX is reporting a dept. I disputed with all three reporting agents. They said debt was valid. i called XXXX XXXX and XXXX XXXX. nether of them can provide any documents showing where I signed anything for this debt or what this debt is for. Midland account number is XXXX balance is XXXX date opened was XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
Company offered XXXX bonus points for new consumer cards and XXXX bonus points for new business cards. I applied and was approved for a new business card ; however, I only received the XXXX bonus associated with the consumer card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
When applying for a mortgage back in XX/XX/2018 or something as simple as getting our gas/electricity transferred to the new home, I am told by multiple companies that I don't exist when they use the credit report company Equifax. Companies that used XXXX  and XXXX have no issues with finding me under my social security number. I contacted Equifax and was told multiple times from multiple people that I don't exist or my number pulls someone else 's name up so they can't help me. Even after I tell them XXXX  and XXXX do not have this issue. I would like this inconvenient issue fixed. Many companies have denied me service because they use Equifax to check my credit scores and it pulls up someone else 's name under my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. 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 2018-02-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
FRAUDULENT NAMES : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX SOCIAL SECURITY NUMBER VARIATION 1. 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 2018-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: KS

Complaint narrative:
> I purchased a XXXX XXXX from a private party on XX/XX/XXXX > I have a Bill of Sale and the Title of the Jetski which was transferred to me. 
> The original owner purchased the jet ski XX/XX/XXXX and it was financed by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. 
> The title lists XXXX XXXX XXXX XXXX XXXX  as the Lien Holder.

> As the new owner, I'm required to register and title the Jetski in my name in the State of Missouri where the Jetski is currently titled.

> The original owner never received any documentation from XXXX XXXX XXXX XXXX XXXX stating his loan was paid off and now XXXX XXXX XXXX XXXX XXXX  is no longer in business.

> I contacted XXXX and learned that XXXX XXXX XXXX XXXX XXXX was acquired by XXXX XXXXXXXX XXXX, XXXX IL in XXXX. 
> I've tried to contact XXXX XXXXXXXX XXXX to gain a Lien Release document on the Jetski per the title. But when I call the phone number or try and contact them it goes no where.

> Additionally, I see a lot of very similar complaints on the web of this very same problem.

> I've attached the Title and Bill of Sale scanned Documents

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2017 I withdraw {$200.00} dollars ( XXXX {$20.00} XXXXr bills ) out of a Wells Fargo ATM machine located at XXXX XXXX XXXX. XXXX  of the {$20.00} XXXX bills dispensed by the ATM was mutilated missing about XXXX of the bill. I immediately called Wells Fargo to inform them, but they redirected my to my bank XXXX XXXX XXXX XXXX because they said " I do not have a bank account with Wells Fargo. '' I then called XXXX XXXX and filled a claim with them. After about 2 months of not hearing from XXXXXXXX XXXX, I finally called them and was told that no claim had been filled back when I called in XXXX. A claim was finally filled then, and after waiting 2 additional weeks I finally got a letter from XXXX XXXX stating the following : " We are unable to file a dispute for a torn bill. The dispute process governs the results of the transaction, not the condition of the bills provided. 
We regret that we are unable to assist you with your dispute. If you wish to pursue this matter further, we suggest that you contact the merchant directly. As of the date of this letter, your dispute claim has been closed. '' After reading this letter I called XXXXXXXX XXXX for further explanation and was told that they are not responsible for the condition of the bills or money dispense by other ATMs, including Wells Fargo, and was provided information and website on how to contact the U.S. Department of Treasury for a bill exchange, and/or was told that I could try to discuss the matter further with Wells Fargo. I then called Wells Fargo and was told by 3 different individuals that they are not responsible for the condition of the bills/money they dispense because the ATMs are serviced by third party companies who have their own procedures, and that they could not file a claim for my complaint because I am not a XXXX XXXX costumer. I was again provided information on how to request a bill exchange with the U.S. Department of Treasury if I so desired. 

I would really appreciate your assistance in trying to understand, how is it that banks are not directly responsible for the quality of the money/bills that they dispense out of the ATMs? Why does Wells Fargo charge me a transaction fee if they are not going be responsible for malfunctioning of the ATMs? I would really hope this is not true or else what assurance do we customers have that we will be properly refunded if the money dispensed is not in an acceptable condition or there are any other problems during a transaction. 

Thank you in advance! 

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