vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXX now age off date is XX/XX/XXXX Data for joint account holders of same XXXX account reported by same CRA Experian does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least 5 different XXXX and multitudes of dates when the account was closed.

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 2017-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX Account re-aging. Account activity has been disputed twice. Age of debt has been disputed twice with documentation sent to CRAs. Reported activity just changes to new random activity in the closed account and credit dispute is reported as " updated '' New activity reactivates reporting period. Equifax just added " OK '' for every month until present date to the XXXX account closed since XX/XX/XXXX Original date of age off was XX/XX/XXXX in XX/XX/XXXXnow age off date is XX/XX/XXXXData for joint account holders of same XXXX account reported by same CRA XXXX does not match. The reporting is random " OK '' then " XXXX '' the next month. account closed for years with no activity then shows " XXXX ''. This is blatant debt re-aging There are at least XXXX different XXXX and multitudes of dates when the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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:
I have been trying to dispute innacurate account information on my credit file with equifax since XXXX 2017 provided proof of the information that need ot to be corrected letters have called numerous times to attemp to resolve it they state is fixed ive been trying to get a mortgage loan but every single time they denied mw because my scores are not reporting accurately and accounts are no being removed but are stil showing under a dispute status preventing the lender to pull accurate information and til this day already XXXX and equifax not only i was notify as been part of their fraud issue where my information was compromise not even an apology they havent been diligent in fixing this issue for me i tryed too many times cant no longer deal with them as they are very negligent i am a single mom of XXXX trying to buy a house for them and cant get pass this issue to be able to buy a home for my kids and get the opportunities i deserve because of them i decided to report them and even consider legal action agains them please help me i dont know what else to do or who to go to ive spoken to representatives supervisors and nothing seems to work once again thank you for you time and hope this resolves the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: Colony Brands, Inc.
State: IL

Complaint narrative:
I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I complained about fraudulent charges on my u.s. bank XXXX and the account was rudely closed.

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 2017-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had a revolving ( last four of the account number was XXXX ) and checking account with Bank of America back in XXXX. In XX/XX/XXXX I noticed drafts from my checking account in the amount of {$650.00} being taken for the past 10 months. I contacted Bank of America for further information and was informed that they were for a Life Insurance policy. I never gave authorization for such policy. I requested a copy of the  authorization and they indicated they did not have it. I demanded a refunded and they refused. They drafted {$6500.00} from my checking account total without authorization and then refused to refund their mistake. I had always kept on top of my financial obligations but was furious when they basically told me they could do what they wanted and that there was nothing I could do. At that point I closed the credit card and felt they had already taken the money that was owed to that card. I even told them that they by law owe me a refund because I never at any point gave authorization for any life insurance policy, they can take the money they owed me and pay off the credit card. That 's money I would have used to pay the balance had they not taken it!. They refused and I even had my attorney offer an additional {$1200.00} to release any and all claims BOA or it 's successors may have against me, which would have total more than what the balance was. That would have been {$6500.00} ( they owed me ) plus the {$1200.00}, giving them {$7700.00} to resolve the issue and remove it off my credit report. Just because they are a huge bank they should n't be able to get away with stealing and that is exactly what I feel this is. I have been fighting this issue since XXXX. If there is anything you can do to help me I would truly appreciate it.

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 2017-12-22 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: CA

Complaint narrative:
To whom this may concern I, XXXX XXXX XXXX filed with identity theft in the year XXXX between XXXX - XXXX, I also filed a police report during that time when my identity was stolen, When This situation was noticed I imeaditly notified my bank, the bank asked me to take a police department statement for all the fraud that was shown on my bank account monthly statements, they froze my checking account, the investigation lasted for almost 2 months I was really frustrated and scared also to top it off I never gone through this bad situations before and I hope to never go threw this XXXX again, I just want my life back and my life to be peaceful and no harm and my credit to be normal and build my life back to perfect. I dont want to go through life with a bad horrible XXXX credit score and be in debt all mylife

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I work internationally as a XXXX in XXXX. My school provides us with a large bonus of {$7100.00} XXXX or {>= $1,000,000} XXXX, which is a significant amount of my salary in XXXX. The money was deposited into my XXXX bank account on XXXX, XXXX. I went to the bank with a representative of my school and a few other teachers to wire transfer the money to our USA bank accounts so we can use our money while home for the holidays. I performed the transfer at my bank in XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX ). I was informed during this time that my bank. XXXX XXXX XXXX, did not have a XXXX code so we would need to go through an intermediary bank, which was XXXX but that I should receive the money within the next 2 days in my account. Needless to say the money has not arrived into my account at XXXX. Currently I am home in Minnesota for the holidays, extremely stressed out and financially broke. The money was transferred to XXXX XXXX XXXX XXXX from XXXX to first convert the XXXX to XXXX, then XXXX XXXX XXXX XXXX to XXXX. XXXX has tracked the money to XXXX. The transfer has not been rejected or cancelled. I have called and also have personally visited both XXXX and XXXX. XXXX XXXX XXXX says that they are unable to do anything because they are only the receiving party but they did verify that the bank name, routing number, and my account number for XXXX was correct. I have personally visited XXXX which indicated that their swift code was correct and told me they can not help any further. I have called XXXX they have refused to do anything to help, stating that they can not verify me as authentic communication and they have not taken any action to look into this matter, even though I have identification when visiting a XXXX branch personally. I do not have an account with XXXX. XXXX says they can investigate but for a price, which I will initiate if necessary. XXXX is holding my money unethically and should process the transfer or reject it so it is sent back into my account in XXXX. XXXX is unjustly holding onto my money benefiting for the interest it is gaining. I am in extreme emotional distress. This is a significant portion of my salary, that I have been depending on, and its XXXX time. I really hope this situation can be solved very soon. I have the information and paperwork from the transfer available upon request.

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 2017-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

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 2017-12-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contact company under FDCPA requesting copy of credit appl and loan or repayment agreement. They continue to fail to produce these documents yet they also refuse to remove the illegal debt form credit agency 's.

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 2017-12-22 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: Colony Brands, Inc.
State: IL

Complaint narrative:
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

Company response to consumer: Untimely response
Consumer complaint received 2017-12-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting late payments and the account status with XXXX XXXX is still open with a {$870.00} balance and over 120 days late. I have paid this account off in full. I have disputed the issue with Equifax but have had no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NH

Complaint narrative:
On XX/XX/XXXX, I attempted to log into my Coinbase.com account. Because I had not used it in a long time, I no longer had the two-factor authentication app to complete the login. I utilized their identity verification service on both XX/XX/XXXX and XX/XX/XXXX to attempt to regain access to my account. In both cases, I was notified that verification had completed successfully, but the two-factor authentication prompt was not removed as it was supposed to be.

On XX/XX/XXXX, I contacted Coinbase support via e-mail to resolve this issue. They told me to go through the ID verification process a third time. I did so as soon as the service was working properly ( XX/XX/XXXX ) and never received a response. After waiting a week, I tried again on XX/XX/XXXX. I have still not received a response to either of these verification requests.

I have been prevented from accessing my virtual currency for 15 days at this point, and my only way to contact the company to help is via e-mail. They can take days to respond and the responses appear to be pre-written messages that do not help my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

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 2017-12-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
They can not produce a credit appl or a repayment agreement or load document to verify this as a legal debt

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 2017-12-22 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: Colony Brands, Inc.
State: IL

Complaint narrative:
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

Company response to consumer: Untimely response
Consumer complaint received 2017-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
To whom I may concern, On XXXX, I XXXX XXXX XXXX received a copy of a refund check for {$780.00} from XXXX XXXX XXXX made out to the Estate of XXXX XXXX XXXX. On the back of the refund check, XXXX XXXX endorsed the check to deposit in her personal savings account at M & T Bank. I contacted a representative of M & T Bank at XXXX, and she did not know the policy and procedures if an Estate check can be deposited.in a personal savings account. XXXX XXXX XXXX at Register of XXXX ( XXXX ) in Delaware gave explicit instructions that an estate account for the Estate of XXXX XXXX XXXX must be established at a bank with all three co-administrators must be present at the same time. All three co-administrator names must be on the estate account, so any transactions for the Estate of XXXX XXXX XXXX would require three signatures. XXXX XXXX XXXX XXXX XXXX have refused since XXXX to meet with me at any bank to establish an estate account. On XXXX, XXXX XXXX and XXXX XXXX went to XXXX XXXX in XXXX, DE and liquated XXXX XXXX XXXX XXXX 's personal checking and savings accounts, but did not establish an estate account. 

I am requesting M & T Bank to freeze the {$780.00} refund made out to the estate of XXXX XXXX XXXX that was deposited in XXXX XXXX 's personal savings account. M & T Bank can schedule a appointment date and time when all three co-administrators can meet at M & T Bank to establish an estate account. As an alternative, remedy, M & T can issue a check for {$780.00} for the Estate of XXXX XXXX XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX DE XXXX, M & T Bank should follow all State and Federal regulations and compliance for a estate account, since there is a great distinction between a estate account and a personal checking and savings accounts, especially when there are three co-administrators. 

If possible, I would like a copy of the policies and procedures pertaining to an estate account at M & T Bank. If there are any additional questions, please do not hesitate to call me at XXXX. Secondly, XXXX XXXX 's personal savings account number is 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 2017-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Purchased airfare thru XXXX on XXXX XXXX, XXXX. Tried to cancel tickets XXXX XXXX, but was told I had to pay {$1900.00} upfront to cancel. Capital One ( Credit Card ) told me not to pay, they would dispute amount. Have been disputing since then, and have been rebilled the original amount plus {$600.00}. During this dispute process, Capital one has reported me as late on my credit reports, has frozen my account and told me to seek legal council. They can no longer help me unless I pay them what is owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have transferred XXXX EUR through a XXXX XXXX transfer to Coinbase on XXXX XXXX XXXX. The full amount was received by Coinbase on the XXXX XXXX. This is visible on the Coinbase dashboard. However the funds show the status " pending '' since then and have not been credited to my Coinbase EUR wallet account. I contacted customer support multiple times and raised support cases on their  website, but never got a response from them. 

The transaction ID stuck in " pending '' state is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22 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: IL

Complaint narrative:
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

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 2017-12-22 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: IL

Complaint narrative:
The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents

Company response to consumer: Closed with explanation