vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 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: TX

Complaint narrative:
I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX account reporting to my credit report. 

XXXX XXXX is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.

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 2019-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
To whom it may concern, I am writing in regards to my late payments on my credit report from dates XX/XX/15-XX/XX/15 for my SYNCB/WALMART account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payments because it was my first year away at college. I was waiting on financial aid to come through. Now unfortunately there was an issue with receiving my aid which was not received until much later because of that I was forced to live off my small savings that I accumulated from working the summer prior. Since then, the debt has been paid off and satisfied by the creditors. I did not at the time have a real comprehension of how credit cards worked and I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. Since these mistakes I have a perfect record of on-time payments.

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 2019-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to TransUnion and XXXX for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.

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 2019-06-12 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: TX

Complaint narrative:
XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to XXXX  and Equifax for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: NV

Complaint narrative:
On XX/XX/XXXX I went to draw out 700.00 to pay my son 's rent. I am his Rep Payee for Social Security. I received an atm receipt which said it was unable to give me money. I am attaching a copy. I called the 800 number and went to XXXX XXXX the next day. They said to contact Direct Express. Each time I call Direct Express I am either on hold for over an hour and then the phone hangs up, or I get a recording saying they are experiencing extremely high call volume and the phone hangs up. I got to person one time and explained the problem, AND THEY HUNG UP! I called Social Security and got no answers. I went to the SS office and they gave me a number for fraud prevention for Commercia  Bank who issues the card. I called and after holding nearly an hour, I spoke to someone who merely transferred me to Direct Express! Of course, I got the recording and then the phone hung up. I ne ver got the money and it is not in his account. I need help to get this back. I am retired and on  limited income, I did not pay my bills to cover this rent for my XXXX son. I do not think it should be this hard to reach a company that handles government benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has incorrectly reported our mortgage loan balance as increasing to TransUnion and XXXX for two months in a row. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$540.00} from {$75000.00} to {$76000.00}. 

On XX/XX/XXXX XXXX XXXX incorrectly reported a balance increase of {$1600.00} from {$76000.00} to {$77000.00}. 

The loan balance as of XX/XX/XXXX on the XXXX XXXX page for our account is {$74000.00}. 

This has had a negative impact on our credit report for two months running lowering our score.

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 2019-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX account reporting to my credit report. 

XXXX XXXX is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.

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 2019-06-12 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: TX

Complaint narrative:
I called XXXX XXXX  on XX/XX/XXXX and XX/XX/XXXX Spoke to a rep that stated if I paid the 7 year old account in full they would remove it. I have paid it in full and the account still remains active and derogatory .And to add to that it also continues to reports " FP '' ( failure to pay ) which is equivalent to a late on my report each month. It continues to bring my credit scores down and is damaging my prospects of buying a house. XXXX XXXX is a 7 year old account and should not be reporting late and incorrect information.This account has continues to change balances from month to month. There are 2 derogatory XXXX XXXX  account reporting to my credit report. 

World finance is a 7 year old account and should not be reporting late, and in error. 
I would like this account removed or all errors removed and updated from my account for the past year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Circle Internet Financial

Complaint narrative:
Poloniex.com seems to be one of the major cryptocurrency exchanges around the world. 

Please check their statement https : XXXX because of their judgemental mistake they are taking 16 % principal of the balance of each btc customer XXXX The supposed reason is that clam market crashed ( clam is another cryptocurrency ). 

Lending btc in the mind of the customers is about lending btc and not about lending any other smaller coin. Nowhere on their site they are mentioning that btc can be used as a margin for any other coin. 

Moreover, it seems that lenders are the easy taget and they are not taking their losses from them, not from their profits nor from the margin accounts. 

Finally their main page they are claiming that the have insurance for such cases. 

IN my case they pirate/stole/got away from my balance XXXX btc which is right now a little above {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Coastal Credit, LLC
State: IN

Complaint narrative:
I have a car loan with Coastal Credit LLC. I have had this loan since XX/XX/2019. My payment is due on the XXXX of every month. When I applied for my loan they asked me to provide references of people I know. I never should have done that. If the XXXX or XXXX comes and my payment has not yet been made they will harass me all day long with at least 5 calls minimum during the day while I'm at work. If I don't answer the phone, the next day they start calling all the references I gave them telling them its Coastal Credit and they are trying to contact me and I'm not answering the phone. Then they ask if the person knows where I am. Keep in mind my payment is only three days behind at this point. This is absurd. 
Also they keep demanding i MUST provide them with a a bank account number so they can set up a direct withdrawal. I will never do that for any debt. I am aware that the law is on the side of the creditor if a direct withdrawal is set up. 
I have never had any past due payments with them, no 30, 60, 90 days late etc. 
I have also requested that any further communication that Coastal Credit wants to make with me be by mail only, NO MORE PHONE CALLS to me or the references. 

The Coastal Credit person involved is XXXX XXXX Coastal Credit Account Representative XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: GA

Complaint narrative:
I have contacted I C Systems INC about a debt in the amount of {$630.00} for XXXX pet hospital. The account is not mine and is how it is spealt in XXXX not english form. The account is for a dog named XXXX which I do own but anyone can make up a name for a dog & my neighbours have pets as well in the same apartment complex. I do not know who may have done this but I know without a doubt it was not done with my conscious, present authority at the location the contract signing took place. 

This is a case of identity theft and I have never opened an account/ entered into a contract nor have I ever signed a contract with my signature with XXXX  pet hospital . 
I assume my brother entered into into the contract and he has paid for the account using his credit/debit card but upon speaking with him he does not remember. 

I have contacted the representatives and was constantly told " I don't know '' if a police report being submitted will result in removal of the fraudulent debt. XXXX has contacted me and I have told them as well that I have never signed a contract with them. 

I have submitted disputes to the Credit reporting agencies and a dispute to IC Systems INC. 

The signatures on the contract will not match my signature on my driver 's licence nor will security camera footage from the day the contract was signed will show I was not there to enter into the agreement. 

I request this fraudulent debt be removed as it does not belong on my account.

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 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: KEYCORP
State: PA

Complaint narrative:
I opened my account years ago. The bank has since changed hands twice and is now Key Bank. I have had the following issues since Key gained control of my account. 
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- When Key Bank took over, I had to contact them three times to change my address because I did not get my card. There was a language barrier as they were offshoring their customer service. On the 3rd call, I was told they could ship the card to me overnight and would cover the fee. Instead, they charged the fee then I had to call in and was told they charge it when it sends and the customer has to call in to get it waived. ( I later learned they only waive one fee per year so I guess this was their way of getting that one time out of the way even though it was their error, not mine. ) .. 
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- After moving, I contacted the XXXX number to change my address. Their verification process was to answer questions on public record. They should know my maiden name. I chose not to change my last name after getting a divorce. There was no reason for it. Their questions were all related to my ex-husbands family, not mine. I could not answer their security questions so I had to have my mail just forwarded from USPS. I told the rep this was a horrible verification process and she told me I should get my last name changed to avoid it. That was very unprofessional in my opinion, especially since public records know my maiden name. 
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- A few months ago, money was debited from my account without my permission. I believe this happened using XXXX for marketing. I contacted the bank and was told it would take 10 days to resolve. I called back ten days later and was then told 10 business days. I did eventually get my money back. 
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- Last month I changed my phone carrier from XXXX to XXXX XXXX XXXX. I have had a prepaid service for more than 8 years because it is more economic. I did not know they needed to text me a number to the old phone before changing the number. I called into customer service and was told they could not verify my phone. This is because it is a prepaid account. 
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- I made a complaint on Key Bank 's XXXX page after the incident. I was appalled when they asked for my number to assist me. I asked them how safe that would be since they couldn't verify who I am. Someone commented below my response and recommended I report them here.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: LEXISNEXIS
State: FL

Complaint narrative:
I notified LexisNexis via certified mail XX/XX/2018, XX/XX/18, and XX/XX/2018, regarding 3 bankruptcies on my credit file. LexisNexis responded to me XX/XX/2018 stating they contacted Florida Federal Bankruptcy Court XXXX and the court verified the bankruptcies. XX/XX/2018 I sent LexisNexis a copy of a letter I received from Middle District of Florida Bankruptcy Court. Stating the court doesnt report any filings to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Peterson Enterprises, Inc.
State: WA

Complaint narrative:
Step 1 : What is this complaint about? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Step 2 : What type of problem are you having? 

I have asked via mail several times for Valley Empire Collections to provide supporting documents that show proof I owe money to XXXX. They said there is a judgement against me, first I never had the opportunity to go to court so that in it of itself is wrong that I was not offered a chance to do so. Second, they only issued me statements of balance owing, not the bills themselves that I requested copies of. The XXXX statement they sent me shows 2 separate account numbers for the same address and the same time frame but no monthly bills. I don't want to pay for a bill that I was potentially double charged for. I don't see why it would be an issue for me to see each monthly bill they are claiming I owe for the cycle they are claiming. 

Step 3 : What happened? 

They just reached out to me over the phone at XXXX XX/XX/2019 regarding this debt that initially started out to be {$350.00} and now they are saying it's {$850.00} + due to judgment amount and interest. I informed the person I was speaking to that I've sent them numerous letters ( which he confirmed receipt of ) and that I want a copy of each individual bill for the time period stated of balances owed due to the separate account number confusion. The person over the phone said that since they have a judgment against me that they don't have to send me those. 

Step 4 : What company is this complaint about? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX Step 5 : Who are the people involved? 

Valley Empire Collections XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX Phone : ( XXXX ) XXXX / ( XXXX ) XXXX I have contacted XXXX as well but they keep referring me to Valley Empire Collections and say that they can't help me with the billing information I was requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This company, Care Credit, calls my house repeatedly every day. The number of calls varies ; it can be five or more calls per day. Its an automated system that calls. If you answer the phone a computer tells you to hold on the line and a representative will be with you shortly. Then you are placed on hold.

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 2019-06-12 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: Credit Plus Inc
State: LA

Complaint narrative:
customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: LA

Complaint narrative:
customer service would not help and take care of the negative inquiries reporting to your credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have had 5 Chase Sapphire Reserve cards in the course of one month. Originally there was fraudulent activity on initial card. I have received four additional cards since that, all that get shut down because there is a specific fraudulent XXXX charge that has attempted to charge against each card. Now, and only now, on the 5th card is Chase saying that it might not just be a fraud issue. It might be an issue with a Visa program they have that allows the charge to follow each new card I get. However, they are unsure and they are unsure if the new card sent to me will also be hit with the same charge. If it is, it too will be subsequently shut down for fraud. 

The charge was fraudulent as I have not used XXXX in years. Moreover, why did it take until the 5th credit card to make this realization, if it is the issue? All I want is a card that is not shut down after two days due to the  fradulent XXXX charge. I pay {$450.00} a year for this card and the service is terrible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc.
State: MA

Complaint narrative:
XX/XX/XXXX, XXXX this company has called several times asking for a XXXX XXXX or XXXX XXXX and a XXXX XXXX. I have explained to them multiple times that I do not know that person and to stop calling my number but they refuse to do so.

Company response to consumer: Closed with explanation