vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated 2 transfers totaling {$720.00} and {$30.00} and they were promised with a maximum of 10 days transfer time. After that I initiated a dispute with my payment method around XX/XX/XXXX till XXXX, 2021. My bank suggested that I contract the company. I tried contacting the company via email, live chat, and phone. Some of my emails where not answered at all or just generic responses. 

My recipient has still not gotten the money, around 3 months after the transfer and I am currently not been refunded as of XX/XX/2021. 



I submitted a complaint to the California Department of Financial Protection and Innovation on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I have had an account with Coinbase since XXXX and have used it successfully on and off since then. However, since XXXX XXXX, the funds in my account have been frozen, with no clear reason provided by Coinbase. When I log in to my account, I am asked to reverify my identity, which I am happy to do. I am familiar with the process, having gone through with it to set up my account. Since XXXX, I have performed the process of identify verification exactly as requested at least XXXX times, but always without success, according to their automated system. I have provided them with my drivers license ( the same one I used to open the account, with no change other than an updated expiration date ), my passport, and even my birth certificate, but always without success. I have opened XXXX support tickets to address this issue. The Coinbase support team has always been very slow to respond and when they do, it is evident that no human being has taken the time to read the particulars of the problems I am having with their system. Usually they send a canned response instructing me to repeat the same steps that I have tried and failed many times or say something like " We've transferred your case to our team of specialists to look into this further, '' but there is never any indication that they have done so. In fact, the content of their responses make me believe they have all been from an automated system, never from an actual human being. My first support ticket was closed ( after several weeks of what felt like talking to a bot ) for no reason, not to my satisfaction. My second support ticket has so far been treated much like the first, with no indication that a human being has even read what I wrote. 

These are my support tickets to Coinbase : Case # XXXX ( closed, not to my satisfaction ) Case # XXXX ( currently open and ignored )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05 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: NY

Complaint narrative:
A Lawsuit claims against XXXX engaged in unfair and deceptivec practices by forbrances and away from student programs and loans were given with high interest which is fraudulent and the interest was so high and being charged a continuing interest which make virtually hard to pay it. A loan for 10 000.00 ends bring 298 000.00 with incurring. Daily. My student is in question because of the almost 300 000.00. This practice has impacted my crefit negatively XXXX XXXX XXXX XXXX XXXXXXXX.

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 2022-02-05 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: NY

Complaint narrative:
A Lawsuit claims against XXXX engaged in unfair and deceptivec practices by forbrances and away from student programs and loans were given with high interest which is fraudulent and the interest was so high and being charged a continuing interest which make virtually hard to pay it. A loan for XXXX XXXX ends bring XXXX XXXX with incurring. Daily. My student is in question because of the almost XXXX XXXX. This practice has impacted my crefit negatively as a woman of 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 2022-02-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: WA

Complaint narrative:
My son was taken to XXXX XXXX in XXXX, XXXX by his mother. My son 's mothers name is XXXX XXXX, Me and XXXX XXXX were not married and I had no legal obligation to pay her debts. I was not present when XXXX XXXX took my son to XXXX and I signed no papers excepting responsibility for the payment. XXXX XXXX XXXX had XXXX bill her insurance for the visit. I was not on XXXX XXXX ' insurance but my son was. 

XXXX has repeatedly billed me for the visit. I told XXXX I did not take my son tot he visit, but his mother did and she is responsible for the bill. XXXX has continually called me and sent letters to collect the debt, I have repeatedly told XXXX that I am not responsible for the debt. 

I just received a collection notice from a debt collector for the bill. I called the debt collector that I was not responsible and wanted to dispute the debt. When I asked how to dispute the bill, the caller hung the phone up on me. 

It is wrong for XXXX to continually harass me for the debt which I am not responsible for. The name of the debt collector is : Professional Credit Service XXXX XXXX XXXX XXXX OR XXXX My account number with them is XXXX. 

I would appreciate help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-05 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly.

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 2022-02-05 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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 — Investigation took more than 30 days
Company: CarMax, Inc.
State: TX

Complaint narrative:
I called in 2017 to Carmax and attempted to make a payment over the phone with a debit card. The rep advised that they could not take a payment over the phone with a debit card and that I would need to provide my checking account information. She stated the only way I could make a debit card payment was at a carmax location. I advised her that I was overseas and my checking acct was frozen so ach nor checks will not process at the time. The debit card was the only way I would be able to pay at the time since I couldn't visit a carmax location. The agent said she would notate my account. The agent tells me to call on day 31 every month to make my payments because the account would show delinquent and at that point the system will allow a debit card payment. The agent even advised as long as I wasn't 3 months behind, I did not have to worry about a repossession of the car. The rep never once stated that her advising me to pay the payment on day 31 would result in negative reporting given that was their solution to my situation. I consistently paid for a year on day 31 under the direction of the agent. I have disputed the reporting numerous times with carmax who refuses to look into the call or properly investigate. I am requesting for the late payments to be removed because thats what their rep advised me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Select Portfolio Servicing, Inc refuses to remove errant information from my mortgage statement. On XX/XX/2022, I made my payment for the mortgage statement due in XX/XX/2022. The late date is XX/XX/2022. Last week I asked a rep to remove the errant " past due payment '' from my statement. He replied their statement was printed XX/XX/2022 so it didn't account for the payment I made on XX/XX/2022. He said the statement could not be changed. On XX/XX/2022, I made the payment for the XXXX amount due. On XX/XX/2022, I called again in frustration and asked another rep XXXX XXXXXXXX XXXX to remove this errant information but he said he couldn't. Select Portfolio Servicing, Inc appears to be playing games in the new year because I have not experienced this from them before. Please compel them to remove the errant information from my mortgage statement. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
Complaint against FiServ for submitting false statements to Federal Authority CFPB and RESPA, FDCPA and RICO. 

I submitted my complaint against FiServ XXXX XXXX XXXX XXXX FiServ XXXX and XXXX who during at least last XXXX XXXX years send me billing statements on XXXX XXXX XXXX XXXX letterheads where FiServ instructs me to send my payments to certain XXXX XXXX XXXX, some of which are rented by XXXX under XXXX XXXX  name. 

My payment are collected by XXXX and processed by unknown to me employees in secured centers who direct my payments to unknown to me beneficiary -without any reduction of my alleged " debt '' or any credits to my escrow account. 

Most recently someone acting under name of XXXX is sending me XXXX mail  with flagrantly fake documents " from XXXX '' while XXXX  does not have any records of these documents or my alleged " loan ''. These letters are coming from XXXX XXXX in XXXX XXXX. 

Under RESPA FiServ acts as a Servicer who for some reason prepare and send me billing statements while another company, XXXX, pretends to be a Servicer without any servicing functions. 
Under FDCPA FiServ is a debt collector since they collect from me " debt '' Under RICO, this debt is a non-existing debt for unknown to me party and collected for unknown to me " creditor '' using threatening letters from Fiserv XXXX Moreover, FiServ XXXX XXXX sent me a letter from a lawyer ( who did not sent it ) threatening me with legal actions if I do not sign promise to pay XXXX who has absolutely no relationship to my " loan '' which nobody can find. 

But FiServ, who has dozens of shell point nest doll corporations across the Country, said that my Complaint does not belong to them. 

FiServ must explain to me and CFPB why my complaint does not belong to them if all " billing statements '' on XXXX letterheads are prepared and mailed to me by FiServ XXXX XXXX and I have material proof for it. As well as letters on behalf of " lawyer XXXX '' and " XXXX XXXX '' which were sent to me by Fiserv XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I came home today with checks that are in my name from TD bank. First I called the company that makes the checks and she transferred me to the bank. was on hold for 40 min. guy answered asked me account number debit card number or my social security number. i gave the account number cause i was sure as XXXX not giving out my social. he claims he would take care of it and transferred me to fraud and i have been on hold for 1 hour. My address is on the checks but my old number is on there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 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: NE

Complaint narrative:
Hello my name is XXXX XXXX and I have new and updated information about Equifax. I recently submitted a complaint about Equifax violating my federal rights to a reasonable investigation. Attached exhibit is Equifax response stating they received my complaint yet they will mail me the results. I have the right to receive my results through the CFPB as well. As federal law states a consumer can receive such correspondences through any direction. Along with the results of the investigation as stated in my previous complaint Equifax is also to provide the details of the investigation, a list of all persons that Equifax do business with regarding my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: NY

Complaint narrative:
My name is XXXX XXXX my social security number is XXXX and my year of birth XXXX all the XXXX XXXX credit card sending in XXXX and XXXX and XXXX XXXX XXXX loan account suppose to be removed from my credit report the have a federal trade commissions report on file these items suppose to be deleted or blocked from showing on my credit report

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 2022-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD

Complaint narrative:
After noticing the collection on my pristine credit report, i called the creditor identified on the report " Law Offices MBA " with original Creditor as " XXXX XXXX '' and informing them of the wrong assertion being made against my credibility report, i was asked to file a police report to correct their error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Someone got into my bank account and changed my address. They made transfers from my sons linked account for {$5000.00}. They expedited a new ATM card to the new address. My savings was transferred to my checking they made XXXX withdraws for {$11000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-05 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: FIRST HORIZON BANK
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX is reporting inaccurate information on IBERIA BANK DIRECT. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 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: PA

Complaint narrative:
I submitted a dispute to request an investigation by Equifax for XXXX Account # XXXX, because of inaccuracies. ( date of last activity is missing ). 

Equifax did not conduct an investigation, as required by law. They are required to update, accurately verify or delete. 

Furthermore, as shown on the attached " results '' notification, Equifax falsified information on my credit report for this account, without conducting an independent investigation. Their notice to me states that the date of last activity has been verified as accurate, but the report and results letter clearly show that it is missing. 

Equifax inserted a date of XX/XX/2022 as " date of last reported update '' even though there was no update. This is a violation according FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
A checking account was opened at TD Bank in my name. I have never heard of this bank, nor have I ever opened up an account with this bank. I did not speak with anyone by phone and I do not just randomly go to unfamiliar websites. I received 2 checkbooks and one book of deposit slips as if I opened the account.This bank could be a fraud, so I have not reached out to them. I am requesting this account to be closed. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on VANCE & HUFFMAN LLC ( Original Creditor : XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation