vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent a letter to XXXX, XXXX, and Trans Union. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from XXXX  and Trans Union. The other four we should have received have not arrived yet.

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 2019-03-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent a letter to XXXX, Experian, and XXXX XXXX. In our letter, we disputed several accounts reporting inaccurate information. It was our understanding that the credit bureaus are required to investigate the disputed accounts, and respond back to us within thirty days. Thirty days have long passed, and so far, we have only received XXXX 's responses from Experian and XXXX XXXX. The other four we should have received have not arrived yet.

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 2019-03-21 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: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case.

But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX XXXX XXXX, Date Opened XX/XX/XXXX, Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Synchrony Bank dba XXXX XXXX card has admitted to me they have a system flaw that defaults to incorrect due dates, resulting in missed payments and late fees. It took me threatening litigation to receive my late fee back, but I was still charged interest. They initially denied I scheduled the payment, but I had email confirmation and a confirmation number. This issue has likely impacted numerous other consumers.

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 2019-03-21 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: CA

Complaint narrative:
I have submitted two ( 2 ) formal dispute letters to Equifax, XX/XX/XXXX and XX/XX/XXXX regarding inaccurate information contained within my credit report file with that agency asking that the XX/XX/XXXX XXXX Credit Inquiry be removed from my credit file. In responses dated XX/XX/XXXX and XX/XX/XXXX, Equifax responded that the disputed item is not currently reporting on their credit file. However, today, XX/XX/XXXX, this disputed item continues to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
There are false/misleading advertising methods used by Coinbase for its  referral program. In XX/XX/XXXX during the height of the cryptocurrency craze, I was referred to Coinbase by a website dedicated to sharing information about Bitcoin and other cryptocurrencies. Upon signing up, Coinbase told me, " Introduce a friend to Coinbase. You will both get {$10.00} of free Bitcoin when your friend buys or sells at least {$100.00} of digital currency. Learn more. '' After I signed up, verified and confirmed both my account and identity, and purchased at least {$100.00} worth of Bitcoin, Coinbase has been giving me a million and one excuses under the sun as to why they can not issue me the {$10.00} as promised. I have been inquiring about this issue for well over a year and absolutely nothing has been done. I reached out to Coinbase online support at least twice with the same, tired, generic unhelpful responses to my issues. 

In XX/XX/XXXX, I called Coinbase and spoke to a representative named XXXX and a supervisor named XXXX. Both were unhelpful and all they could do was decline me proper assistance, " understand '' and " apologize. '' They verified that I was referred, but they say because it is their " automated system '' that makes the final decision, that I am not entitled to my promised {$10.00}. So it's okay to XXXX over loyal customers, especially as long as you endlessly " apologize '' for the inconvenience and blame the inconvenience on the automated system that you refuse to fix, right Coinbase? 

I am absolutely disgusted with this company and their lack of competence and ethics. This is similar to bait and switch tactics of other companies and it is highly unethical for Coinbase to not take accountability for their wrongdoing whatsoever in this situation. They hide behind their " automated system '' that they have created to refuse customers their rightfully earned {$10.00}.

How is a business even allowed to operate this way? How can a business have zero regard for their customers? Coinbase can operate a site, a whole trading system, etc yet they can't issue {$10.00}? Futile apologies simply do not solve problems. My expectations STILL have not been met and this is extremely unfair to the customer.

I filed a complaint with the XXXX XXXX XXXX and Coinbase refuses to reach out to me and the XXXX about this issue. The XXXX actually tried to contact Coinbase twice and had to close my XXXX case due to " no response. '' Coinbase also closed all of my Coinbase cases and marked them as " resolved '' against my will.

I have been in a few similar situations like this before with other companies and it was always determined that the company was in the wrong and they paid me accordingly. So I'm going to need Coinbase to fully cooperate and give me what's due. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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 have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to XXXX  and Experian. On XX/XX/2016 I signed a rental lease with XXXX, the leasing manager. On XX/XX/2016 I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX XXXX   written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. 

This charge has stayed on my credit for many years and XXXX and Experian have not been able to investigate properly. They keep requesting more information from me, which I do not have. XXXX  and Experian are supposed to gather all information from XXXX XXXX XXXX in order to investigate properly. XXXX XXXX XXXX has not been able to prove this debt belongs to me because they do not have sufficient information.

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 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a fraudulent charge to my credit card for {$150.00} from XXXX. I disputed this charge with XXXX  XXXX XXXX and they decided in my favor. From XX/XX/XXXX until XX/XX/XXXX I did not receive any correspondence from XXXX  XXXX XXXX or XXXX. On XX/XX/XXXX I received a letter from Transworld Systems ( a collection agency ), alleging that I had a balance of {$4900.00} due with XXXX   that they had passed on to me. Again, I had not received any prior correspondence from XXXX   that I had outstanding bills due. After calling XXXX, I learned that my online account had been illegally accessed, and the criminals had gained access to my saved credit cards and were able to use that info along with my saved billing address to send out 4 invoices totaling {$4200.00}. They also changed the email address to their email ( which I have a picture of ), and changed my password.I have full PDFs of all of the fraudulent shipment invoices, many originating in New York state and Washington State, and all shipping to XXXX. XXXX 's Fraud division closes cases after 90 days and thus they were not able to help me, so I have filed a police report and am filing this CFPB report in hopes that it can be resolved. I am hoping that I can provide proof to XXXX  that the charges were fraudulent so that they can let the collections agency know that they were fraudulent and drop the collections. Transworld can not do anything about my charges unless XXXX gives them approval, and XXXX claims they can not help me since it has been longer than 90 days since the charges were made. This leaves me in a difficult position.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX RE : Navient Solutions are inaccurate being reported As of this date, I am challenging the accurate of my student loans ; yet not all student loans are closed and instead theres 2 pending loans which are being label as transfer to another office, and then the inaccuracy that shows on my credit reports as well. Meanwhile as to reviewing my credit report, its shows there are 2 open student accounts and as a result its lowering my credit score. However, I did try to trace the various loan holders and its always a dead end. Nonetheless, Navient Solution does claims they tried to retrieve my last two loans from XXXX XXXX and XXXX, and this process may take from 30-150 days ; and when the companies do fail to reply, then they will resubmit the process again. Moreover, I know theyre given me the run around and its effecting my credit reporting overall. Needless to say, I do find all concerns above as frustrating that needs a corrective action, so please call with the number listed. Thank you for investing your time in me. 

The ongoing of my federal student loan Process : The Dept of Education sold my loan to a Debt Management Company, then they wholesaled wholesaled to XXXX XXXX XXXX XXXX, then reselling the loan to Navient Solution and finally the TXXXX XXXX XXXX XXXX never received such loans that would ve closed all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: VA

Complaint narrative:
hello my name is XXXX XXXX iam sending this complaint out today on equifax todaybecause they are trying to take over some poeople life with false reporting on my credit report ... the other credit beruas remove all inquries off my report but they cant i have 48 hard inquires on my report but they want me to call every single company on my report on my own i did not put them on my credit report or tell any body they could run my credit its aginst the law to treat somebody creit like this i mean 40 hard inquires i just got off the phone with them they saying its nothing they can do i siad that a lie how can u let frauds put hard inquires on my credit plz i need help now its like a waist of time keep calling equifax i dont have the time to right down all 48 company names or accounts down it should not be on my credit the first place now they want my ssn bith ceritfireld and bill with my addresss on it WHY they need that it a scam the goverment needs to step up to these guys

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: CA

Complaint narrative:
The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant  documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case.

But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : 1.XXXX. XXXXXXXX XXXX XXXX*, Date Opened XX/XX/XXXX, Balance {$530.00} 2.XXXX. XXXX XXXX, Date OpenedXX/XX/XXXX Balance {$210.00} I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my FTC report, in case they need to reference or review.

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 2019-03-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX My husband and I are trying to get a home loan, but PNC bank has reported negative info on our credit report dropping our score to disqualify. After contacting the company directly I got no clear reason or itemization on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: TX

Complaint narrative:
Equifax is reporting incorrectly that I am past due on the XXXX - partial account numbers XXXX ; XXXX ; XXXX. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. It is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. XXXX and XXXX  are reporting correctly on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GMA Investments, LLC
State: CA

Complaint narrative:
XXXX called from SummitRecievables and left a voicemail on my phone. He does not ask indicate who he is calling for. He is collecting debt. The call is harassment, any debt has to be mailed. Don't know who Summit Receivables is calling for, and the legitimacy if not providing paper documents.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Hello, I have been made aware of a debt that a collections company alleges I owe for an account that I did not authorize. I dispute the validity of this debt and have tried to resolve the issue with the collections company that bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Rude staff who talk to you like your 5 years old when returning phone calls. Wont help with website issues when website tells you to call your local office.

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 2019-03-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My wife and I opened a High Yield Savings Account with PNC Bank Account on or about XX/XX/19. As part of this process, we funded the account with all of our savings ( {$150000.00} ). 

PNC sent out a registration form for us to confirm the opening of the account, which needed to be returned within ( approximately ) 30 days. 

Due to us moving apartments, the slow redirection of this mail meant that we missed the 30 day period. 

We called PNC last week Tuesday XX/XX/19 and was informed that our account was closed on XX/XX/19 and a check for {$150000.00} was sent to us at our new/correct address, but was sent with no tracking or any other way of evidencing its sending or receipt.. This check was not received by us and is still missing. We requested to speak to a manager and spoke with XXXX - who told me that she would follow up and contact me the next day. 

XXXX did not follow up so we called XXXX on XX/XX/19 and left a voicemail to follow up. There was still no call back from XXXX and we called PNC again on Friday XX/XX/19 and spoke with a person named XXXX who said that he would send the message to XXXX and mentioned that I needed to sign a document to stop the check. 

On XX/XX/19 - We called XXXX again and pressed XXXX due to no answer. We were transferred to XXXX XXXX. XXXX told me that the check was sent and it was outstanding-meaning not cashed. I informed her of the history and that we havent received check. XXXX faxed us the form that requires our signature to stop the check. This form requires us to fully indemnify PNC for all liability related to the check. I am outraged at this. PNC decide to mail a check to a customer for {$150000.00} with no tracking, and the only way that I can stop that check and ever receive my money back is if we indemnify them for what I consider to be a negligent and reckless practice. 

I was escalated from XXXX to XXXX XXXX who confirmed that the only way I will ever get my money back is if I sign this indemnity, covering all losses associated with PNC 's practice of sending checks of {$150000.00} to consumers with no security or tracking procedures. 

I am now stuck and do not know what to do.

Company response to consumer: Closed with explanation