vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-13 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: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
OnXX/XX/XXXX BMW Financial Services dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX LT price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order BMW financial proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, BMW Financial continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. BMW financial not only repossesed my vehical onXX/XX/XXXX when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. BMW financial has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on XX/XX/XXXX and validation of the current debt that is being reported to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: Nelnet, Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX/Neltnet I recently viewed my credit report and noticed errors on my credit report. I 've contacted you notifying you about some fraudulent student loan accounts open without my authorization, consent. I 've sent you certified mail letters, a police report, documents verifying that it was all fraud but you fail to send me any documents bearing my signature and it 's been past 120 days and going on 6 months. You 've contacted the credit bureau notifying them that these accounts belong to me. I 've called several times speaking to customer service reps and making them aware of this situation but I have n't received any fraud packets in the mail. I was lied to and given the run around. It is ridiculous. I 'm accused of these accounts and I 've never been a member of any colleges or signed any student loan documents. I am a victim of identity theft, and have been a victim for some time and several times throughout my life and it 's not a great feeling. I refuse to be accountable for someone 's wrong doing and this will be my final letter before any legal actions are taken against you and the credit bureaus for posting false information on my credit file. No ongoing reporting from month to month shall be posted on my credit because these are fraudulent accounts I am not aware of these accounts. I will have my lawyer investigate any documents, if for any reasons I suspect that a signature was forged by someone impersonating to be me, I will be seeking a lawsuit against any institutions, credit bureaus, and XXXX XXXX XXXX/Nelnet as well. I am now giving 5-10 days total. I am not sending any documents I 've sent in the past because I 'm spending my hard earned money sending over certified documents and if your company did n't correct these issues before then it 's not my fault. I repeat for the final time these accounts are n't mine. I have been an identity theft victim several times in the past and impersonated. How much more would I have to prove my innocence to you? I have discriminated against by your company as a criminal because you continue to contact the credit bureaus verbally verifying accounts that does n't belong to me. If that is n't discrimination then what is it? I am disheartened that your company continued to verify month to month for several years that this account was mine and it was n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: NJ

Complaint narrative:
Effective XXXX XXXX, 2017, Equifax and other CRA 's adopted new policies that developed enhanced public record data standards for the collection and timely updating of civil judgments and tax liens. The new credit reporting law applies to new and existing public record data on respective credit reporting databases, and will require a minimum of consumer personal identifying information : Name, Address, and SSN and/or Date of Birth.
I have sent previous letters to Equifax requesting the removal of inaccurate information from my credit file, and they have failed to do so. They continue to report the disputed item regarding the public record, specifically an incorrect tax lien. Their egregious conduct is unacceptable and must be addressed. Again, I am requesting that the negative item be removed from my credit report immediately.
Please resolve this matter as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Early on the morning of XXXX I received an email alert from XXXX  indicating a " credit alert ''. When I checked, I was told that a company called Commonwealth Financial - XXXX XXXX XXXX XXXX XXXX, PA XXXX Had placed a " seriously delinquent '' credit report on my file for {$390.00} effective XX/XX/XXXX. I have not borrowed money in several years and have no idea what this is for. Furthermore, I have had no communication from this company about this alleged debt. It needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: IL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX loaned me {$43000.00}. This amount was to purchase a brand new XXXX XXXX XXXX XXXX XXXX price : {$35000.00}, plus {$7000.00} for the car that I traded in that i still owed another lender, for a total of roughly a {$43000.00} loan.
Shortly after recieving the car I recieved notice that my licence would be suspended if i did not pay off over {$20000.00} in city of XXXX parking tickets in full. I had no choice but to file bankruptcy.
The car was brand new and could not be included in the bk. So the automatic stay was lifted and i continued to pay for the vehical outside the bk.
Against court order XXXX XXXX  proceeded to collect payments inside and outside the bk, even after recieving calls and notices from me to correct this information and filing motions in court, XXXX XXXX continued recieving payments from myself and the bk trustee simultaneously resulting in an overpayment due to me. I recieved the overpayment check however the damage is done. XXXX XXXX not only repossesed my vehical on X/XX/17 when i was not in default, and after years of regularly accepting late lump sum payments, they have also reported to the 3 major credit reporting bureaus that i owe a sum of {$69000.00}, for the XXXX XXXX XXXX XXXX. The the vehical was only {$35000.00}, this malicious act resulted in a dramatic decrease in my credit score, lossed wages, job oppurtunities, a home loan, and educational loans for my child who is going away to college. XXXX XXXX has since changed the information to a lower incorrect amount, however my credit score dropped XXXX points as a result.
I have asked for validation of the prior repossession and current debt in writing but my requests are being ignored. Again I would like to request the validation of the debt at the time of repossession on X/XX/2017 and validation of the current debt that is being reported to my 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 2017-08-13 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally.
1. XXXX XXXX XXXX XXXX XXXX, 2017 2. XXXX XXXX XXXX XXXX, 2017 3. Navy FCU XXXX XXXX, 2017 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX  4. XXXX XXXX 5. 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 2017-08-13 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: AR

Complaint narrative:
The following inquiries were disputed several times to equifax and they will not remove them. XXXX XXXX, XX/XX/XXXX ... I applied for my account with them in XXXX. No requests were made in XXXX XXXX, XX/XX/XXXX ... no idea what company this is XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... I applied for a job with them, not for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. I 've contacted this company a total of 3 times in regard to this matter. This account is also reported multiple times on several bureaus.

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 2017-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc.
State: OH

Complaint narrative:
XX/XX/XXXX IC Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To Whom It May Concern : Please be advised that your disregard and violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collections Practices Act ( FDCPA ), and my rights as a consumer have caused harm by seriously affecting my credit rating, causing the denial of credit, as well as causing higher interest rates and unfavorable loan terms. Your continuous phone calls causing the telephone to ring repeatedly throughout the day and evening is harassing. Furthermore, at no point in a conversation with your company has your representatives ever disclosed their identity, the company being represented or the reason for the call, which was misleading. These oversights on your part are clear violations of the FDCPA Furthermore, we verbally disputed the debt with your company on XX/XX/XXXX and again via an XXXX through XXXX on XX/XX/XXXX. Not only did collection activity not cease during this time, but you  failed to send validation not once, but twice with the 30 day time frame for each dispute. In fact, we have yet to ever receive validation and the letters and calls are continuing even after 90 days. Again, this is a clear violation of the FCDPA and FCRA, which I am sure you are aware of as a Data Furnisher. We are for the 3rd time requesting validation. We are also requesting you review the attached conversation with XXXX, where they clearly state all charges will be removed and the XXXX receipt where they received their equipment back. XXXX XXXX : Once you return the equipment back the unbilled charges will be removed Consumer : So why am I paying for a full month when I terminated the service today? XXXX XXXX : All the charges will be removed once the equipments are received back to XXXX In light of the harassing phone calls, deceptive practices, lack of providing the mini miranda and inability to provide validation after 90 days, we are requesting that IC System correct our account to reflect a XXXX balance, cancel all collection efforts and have the trade lines deleted from our credit history. In the event, IC Systems neglects not to comply, I will file a formal lawsuit

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 2017-08-13 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have several unauthorized inquiries on my credit report. I am a victim of identity theft, and I have been in the past. I did n't give any consent to open any new inquiries. Immediately remove these inquiries off of my credit file within 5 days please. I have took the necessay step sending you several certified letters through the mail and I have n't gotten a response from any companies in a total of 90 days. No account or inquiry can be verified without any documents. According to the FCRA, by law unverifiable signatures or unverifiable documents ca n't be verified verbally. 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 1.  XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX *

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX XXXX 2017 my account was limited and money block from being withdrawn. I have sent all items I sold and have tracking to confirm the items have been delivered. After I completed all transaction PayPal is now asking me to provide my SSN and other personal information, which I did not agree to give. I have fulfilled all obligations to my customers so there is no reason for PayPal to be holding my money for 2 months. I want my {$140.00} released, I would never think a XXXX dollar company would bully its sellers around like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fidelity National Financial, Inc

Complaint narrative:
FORECLOSURE FRAUD : Disputed the amount owned on maintenance fees for Timeshare Property with XXXX XXXX. Sent numerous emails and received no response addressing my query on the outstanding balance. 
Apparently my property had been foreclosed on without my proper notification or opportunity to resolve. 
To date do not have access to my property nor any indication of the status. 
Have been trying to contact XXXX XXXX who have directed me to Fidelity National.
Fidelity National in return have directed me back to XXXX XXXX. 
Despite my many attempts to resolve, expressing my dispute on the amount owned, I have received feedback, notification, or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13 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: TN

Complaint narrative:
several problems listed above, not just failing to abide by 30 day timeframe. Not just bureaus, but creditors as well.. XXXX for ex, 60 days out from my last dispute, claims ftc fcdpa laws dont exist. furthermore XXXX XXXX initiated contact on my behalf nine months ago on that account. account remains " confirmed '' ... I have several accounts where merchants are claiming debt where none is owed, or someone else owes the debt and the creditor refuses to close the account or corrrect the info and keeps putting the account in collections or reselling it ( XXXX ). I have others in violations of cardholder agreements. All burueaus are playing XXXX XXXX " confirmed '' with XXXX XXXX and buying the data back from them later on. disputed debts can not be collected. debts filed under chXXXX can not be collected when attorney is on retainer. yet nobody seems to care, makes claim they werent contacted by upright law ( con artist or not, they are bankruptcy atty ). such actions are not required, the mere hiring of a lawyer on retainer is sufficient. Bureaus are inconsistent with updating each other when debts are deleted. XXXX XXXX refused to assist with this. bureaus contacted multiple times about this and all im getting are " verified '' XXXX letters.I have factually no data sent to me as to what and how, as required by law debts were verified. No email, no phone calls, no letters. I am repeatedly have my information updated where I have never lived, and then blood type required multiple times to get access to my credit file just to file a dispute when I havent moved. This has been going on for several months repeatedly when I dispute data.
I have never lived in PA. My files show that I have and that I have a mortgage. This is incorrect.

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 2017-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a notification of enrollment into citi banks credit card protection program, and charged a monthly fee. In addition, the letter contains a mispelling of my last name, I have not used this spelling in over 5 yrs. I did not enroll into this program, nor did I apply for credit with citi, nor  do I have a credit line with citi. I contacted citi bank on XX/XX/XXXX. I was prompted to enter my social security number, upon entering my ssn the automatic message stated that my social security does not match. I then went through a list of prompts to speak with a live agent. Once I was able contract a live person, the rep claimed I was in the wrong dept and transferred to another rep who also stated I was transferred to the wrong dept and that he would give me the correct telephone number, instead of receiving a telephone number I was hung up. I called Citibank for the 2nd time and explained the situation all over again, at which time the rep transferred my call to a promotional line which I could not exit without hanging up. I called Citibank for the 3rd time asked to speak with the manager, instead I was transferred to the supervisor. The supervisor was unable to assist, and stated that this was a known issues, and I was not the only one affected. The supervisor placed me on hold in an effort to transfer me to a different dept just to come back and tell me that he is unable to assist me and that I would have to call back on Monday for a resolution and explanation.

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 2017-08-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
After seeing coinbase.com on XXXX, I decided to buy bitcoin, ethereum and litecoin.
At the moment, I should have Bitcoin : approx XXXX coins Ethereum : XXXX coins Litecoin : XXXX coins On XXXX XXXX  2017, my coinbase account requested my user name and password to log in. After I provided, the message came up to go to support and provide my ID and proof of address. I uploaded my drivers license and sent it to them.
I received a message that " support @ coinbase is no longer enabled ''.
I opened a case with their online support. Case # XXXX.
A few hours later, I received a response " We will follow-up with you as soon as we have an update. '' As of today, I have n't received a resolution or response.
I see several other unhappy customers that are in my position. How can a company run their business without timely customer support? How can they still continue advertising and generating new clients with out rectifying the issues with their previous clients.
I suspect that this is a billion dollar ponzi scheme!
Please help

Company response to consumer: Closed with explanation