vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-03 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: FL

Complaint narrative:
TransUnion Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. Also, I provided them several copies of the police report and they have not complied in removing any of the negative information on my report. I explained that the collections account that is being reported is incorrect. Ive also reached out to an XXXX XXXX XXXX   manager about the negative information thats being reported on my credit report. She reviewed the account and realized that I paid the account off in full and it was XXXX XXXX XXXX that owed me {$6.00}, in which they sent me a check. However, when I requested they send me a copy of the information, so I can prove it to the credit bureau. They stated that the account was closed and that they are unable to provide me a copy of the information to send to the credit bureau, but they will remove it. Which they never did. 
I have explained the later payment to XXXX XXXX  and the credit bureau was due to fraud and identity theft. I have spoken to XXXX XXXX  and they stated they will remove it, yet its still there. I explained to the credit bureau that the DMV has informed me that there are 2 other individuals in XXXX Florida that has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau still refused to request a copy and continue to retain the information on my report. 
Ive also explained to the bureau that the information amount on the student loans is also incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no result. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address

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 2018-08-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
On XX/XX/2018 I contacted PenFed via phone to make a domestic wire transfer to fund an investment in XXXX XXXX XXXX XXXX. This was the third transfer to this fund made over the past three months. Previous transfers from PenFed totaled {$92000.00}. After a series of questions and verifications the agent indicated the transfer would be processed and I hung up. 
On XX/XX/2018 I received an email that there was a problem with my account. I checked online and I was able to see that my funds were NOT transferred. I called an agent who said that they could not help me because the wire transfer department was closed and I would have to call back on Monday. 

On Monday XX/XX/2018 I called back almost immediately when the customer service opened only to be told that it would be another 30 minutes before the wire transfer department was open. 

I called back in 30 minutes and after lengthy periods on hold was told that the transfer could not be completed on Friday because the Federal Reserve was closed. I was assured the funds would be transferred quickly. 


I contacted XXXX would said I have missed the investment deadline and would miss out on the profit for this period of investment. I was very upset. 


I have checked my PenFed share account and I see that 7 days have passed and no transfer has taken place. 

I have received no explanation from PenFed or notification that they did not fulfill my request. 

I have suffered monetary damages due to PenFeds negligence, incompetence and deceit in handling my wire transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-03 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: OH

Complaint narrative:
Since approximately 2011 I have had issues with the credit bureau 's.  I attended XXXX XXXX XXXX with loans and grants. I only completed 1/4 of a semester. I requested a statement from the bureau on how this is correct with itemization as with loans and grants not used there is a credit that needs to be applied back. XXXX XXXXXXXX XXXX XXXXXXXX. provided the bureau with signed loan documents however that means nothing when the whole amount was not used. The department failed to provide adequate documents to justify the amount borrowed was used in full in reference to classes taken. That alone is enough to presume that this is fraud by the XXXX XXXX   XXXX XXXX and XXXX XXXX to collect money from loans and grants that was not used in full. This impacted my score greatly, caused money problems in my life, and an issue with my tax money that was owed to me. It was not proven beyond a shadow of a doubt that I owed this.

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 2018-08-03 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: CA

Complaint narrative:
On XXXX XXXX, XXXX I purchased parts and labor for car repairs, and signed an agreement with the merchant that stated NEW parts would be installed on my vehicle. After I received the vehicle, I noticed that the parts appeared to be used and worn, so I tried to resolve the issue with the merchant. I offered to return the parts if the merchant would pay for their removal. 

When I was unable to resolve the issue with the merchant, I filed a dispute through JP Morgan Chase Bank. The dispute department consistently failed to properly file the dispute, leading to several months of back and forth with Chase. The merchant did not provide any compelling evidence that they had used new parts on my vehicle, they submitted a parts receipt from the dealership dated XX/XX/XXXX ( 6  months after they had installed the parts on my car ) indicating that those were the parts installed on my car. Finally, they admitted to installing parts from a wrecked car, but indicated that they told me they would do this verbally, despite the signed agreement between the merchant and myself stating only new parts were to be used. I do not recall any verbal agreement regarding used parts being installed on my car. 

Chase refuses to reopen the case, will not provide any explanation as to why the decision was made in favor of the merchant, and has failed to protect me as a consumer against a merchant committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: OH

Complaint narrative:
Since approximately 2011 I have had issues with the credit bureau 's.  I attended XXXX XXXX XXXX with loans and grants. I only completed 1/4 of a semester. I requested a statement from the bureau on how this is correct with itemization as with loans and grants not used there is a credit that needs to be applied back. XXXX XXXXXXXX XXXX XXXXXXXX. provided the bureau with signed loan documents however that means nothing when the whole amount was not used. The department failed to provide adequate documents to justify the amount borrowed was used in full in reference to classes taken. That alone is enough to presume that this is fraud by the XXXX XXXX   XXXX XXXX and XXXX XXXX to collect money from loans and grants that was not used in full. This impacted my score greatly, caused money problems in my life, and an issue with my tax money that was owed to me. It was not proven beyond a shadow of a doubt that I owed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/2018 Portfolio Recovery received a request for validation from me regarding a collection on my report. I received a return letter from them on XX/XX/2018, dated XX/XX/2818 ( 3 days after the receipt of my request ). This return letter falsely stated they had sent me correspondence about my dispute to which I didn't reply, and due to me not replying, they were " terminating the investigation of the dispute ''. 1 ) I received nothing from them between the XXXX and XXXX asking for additional information, and 2 ) they terminated the investigation of the dispute within 3 days of my request. They violated my rights as a consumer by lying as well as not honoring my request for validation. Whatever a right as a consumer to request validation, and they violated my rights. I demand this be investigated and that their reporting be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: FL

Complaint narrative:
XXXX XXXX I dont know nothing about this account its fraudulent please remove. I explained to the credit bureau that DMV have informed me that there are 2 other individuals in XXXX Florida has a copy of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information all the can do is informed me of the issue. They however stated that the bureau can request a copy of the information and they will send it to them directly. However, the bureau refuse to request a copy, and continue to retain the information on my report. Please call DMV the account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: WI

Complaint narrative:
I have a credit card with XXXX XXXX with a {$300.00} limit for a little more than 2 years now. I disputed a late payment listed on my credit report and all 3 bureaus deleted the entire account. The credit bureaus say that XXXX XXXX requested that they delete the report and XXXX XXXX say they did not and in fact they are still reporting ( see attached letter ). Removing this account has hurt my credit 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 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I have a debt in the amount of {$500.00} for a XXXX XXXX Credit Card. I was contacted by Portfolio Recovery Associates and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
ERC Collection For XXXX XXXX XXXX XXXX I have reached out to ERC about collection account. I explained, I paid this account in full. They should not be reporting it negatively to the 3 credit bureaus and they can verify the information by contact XXXX XXXX XXXX XXXX, and to please remove after the information is verify and they yet to complied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: PR

Complaint narrative:
The Company Pennsylvania Higher Education isnt managing my loan account correctly. On XX/XX/2018 I received a letter notifying to recertify for the Pay as a You Earn repayment plan. I submitted all my paperwork before the due date. I submitted my paperwork several times, the last time was on XX/XX/2018. I called to verify with them if they received my papers and the operator said that everything was okay. Later on I received a letter saying that the Repayment plan was denied. That in that month of XXXX I have to play {$1000.00}. Amount that I didnt have. I called immediately and they stopped the direct debit transaction. But the problem still is that I submitted my paperwork on time and they failed to process my application correctly. This situation is really frustrating. As a consequence of them not managing my account correctly I missed one of the payments towards the loan forgiveness program. I will really appreciate your help. I honestly dont know what else to do. I called to solve it almost daily and they dont know what they are doing. Thank you for your help! I just want to pay correctly my student loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NM

Complaint narrative:
In 2013 I was using Coinbase for virtual currency transactions. One day I logged in and my entire account balance was empty. Checked the login logs that they make available and someone had logged in, in the XXXX to the account and transferred the balance. I contacted the company several times of the years trying to see what could be done. Providing logs, information and anything they asked for. Unfortunately they always said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: WI

Complaint narrative:
I have a credit card with XXXX XXXX with a {$300.00} limit for a little more than 2 years now. I disputed a late payment listed on my credit report and all 3 bureaus deleted the entire account. The credit bureaus say that XXXX XXXX requested that they delete the report and Capital One say they did not and in fact they are still reporting ( see attached letter ). Removing this account has hurt my credit 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 2018-08-03 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: WI

Complaint narrative:
I have a credit card with XXXX XXXX with a {$300.00} limit for a little more than 2 years now. I disputed a late payment listed on my credit report and all 3 bureaus deleted the entire account. The credit bureaus say that XXXX XXXX requested that they delete the report and Capital One say they did not and in fact they are still reporting ( see attached letter ). Removing this account has hurt my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03 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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have credit inquires from Wells Fargo Dealer Services from the dates of XX/XX/2017 and XX/XX/2017. I have no knowledge of agreeing for them to place these credit inquiries and have disputed with both Wells Fargo Dealer Services and XXXX  numberous times with no help from customer service from either company.

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 2018-08-03 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:
Equifax Ive contacted the above credit bureau on several occasions over a 2 years period, explaining to them that Im a victim of Identity theft. I have also provided them several copies of the police report and they have not complied in removing any of the negative information on my report.

XXXX is a fraud account I explained to them that DMV has informed me that there are 2 other individuals in XXXX   Florida that has copies of my Driver License. I have requested a copy of the information from DMV so that I can provide it to the bureaus, and I was told that it is against the law for them to provide me a copy of the information and all they can do is inform me of the issue. However, they stated that the bureau can request a copy of the information and they will send it to them directly. Yet, even after finding that out that information, the bureau refused to request a copy, and continue to retain the information on my report. 
I have explained the later payment to XXXX card and the credit bureau was due to fraud and identity theft. I have spoken to discover card many times and theyve stated that they will remove it yet, its still there. I also explained to them that the information amount on the student loans is incorrect and to this day, nothing is being done about it. I have been working with them for about 2 years with no type of improvement in the results. They keep sending me back the same information repetitively without any removal. Stop having companies change my address in your system and asking me to prove my address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have a debt in the amount of {$500.00} for a Capital One Credit Card. I was contacted by XXXX XXXX XXXX and I agreed to pay amount owed if {$500.00}. I completed the transaction via my on bill pay. Payment was completed on XX/XX/18. I was contacted by their collections agent again days later saying I still owed that amount. I explained them to how I made payment and provide the transaction ID and trace number confirmed by XXXX XXXX. Over the past 5 days they have contacted me and demanding me to pay them until they complete their research. They insist that I just " Pay me and then it will be done for sure ''. I asked to speak with a manager and I spoke with XXXX XXXX ( XXXX ) and then XXXX XXXX ( XXXX ). I provided the document from my bank again showing proof of payment. XXXX informed that this document wouldn't matter even tho my bank confirmed this is proof of payment. XXXX gave me two different email address when I asked for and when she did get the email on ( confirmed delivery and receipt ) she read my account number and confirmed it was the same on payment form. I have called to try to resolve but, they give me the run around. I paid the debt, I have confirmation of payment but, no honest results from them or XXXX.

Company response to consumer: Closed with explanation