vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX I attempted to buy tickets from somebody through the XXXX XXXX XXXX  service that XXXX XXXX  offers. I split the purchase into two separate payments so that I would receive my purchased tickets before paying the full amount. After receiving what looked to be legitimate tickets, I sent the remaining amount. After trying to contact the sender regarding an incorrect date placed on the tickets after further review, I received no response and had my number subsequently blocked from calling him. 

I immediately tried to contact XXXX to cancel the payment. They told me that I needed to call XXXX as they can not help me. I then called XXXX XXXX and was told that I would need to start a claim. I started the claim on XX/XX/XXXX and was told that I would receive a response in 3-5 days. After receiving a letter in the mail on XX/XX/XXXX claiming that XXXX identified the transaction as valid and could not refund me any money, I attempted to investigate further and call their claim department. I was told that there was nothing they could do since the transaction was initiated by me. They said I could try to contact XXXX for further assistance, which I subsequently did. XXXX once again told me there is nothing they can do and that I have to settle this with XXXX. After calling the XXXX XXXX   claims department, I asked to speak to someone about my claim who could give me further information about the investigation conducted. I was told that their investigation process involves trying to contact the receiving bank which they were not able to do successfully and thus can not refund me any money, even though this was a criminal act. 

I will be filing a police report since XXXX XXXX  is unable to assist their customer with his scammed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
No signatures of mine to prove debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I called XXXX/Experian to dispute incorrect information in my credit file and they refuse to let me dispute the false information. They never sent me a frivolous notice stating that my disputes are frivolous. Even though this is a new situation I'm disputing XXXX/Experian still denied me the right to dispute inaccuracies in my credit report. My credit score fell by a 100 points because " XXXX '' keeps sending XXXX/Experian negative updates everyday even though I closed my XXXX account. I advised XXXX/Experian that displaying false information in my credit file is illegal in the United States but they have the attitude that they are too big to care or they are getting paid by XXXX to display inaccuracies for profit.

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 2018-06-16 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: AZ

Complaint narrative:
Experian has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX XXXX XXXX XXXX : XXXX actually belongs to me.

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all

accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this account.

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 2018-06-16 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: VIRTUOSO SOURCING GROUP, LLC.
State: TX

Complaint narrative:
I was shopping for a new electric service provider online and was quoted {$200.00} deposit to start service with XXXX XXXX XXXX, I decided to go with another company and never paid the deposit for XXXX XXXX XXXX and never intended to do business with XXXX XXXX XXXX. 
I started receiving collection calls and told the representatives that I never agreed to proceed with the service. 
I recently applied for a mortgage and was told VIRTUOSO SOURCING GR had reported a collection of {$28.00} on my credit report and the original creditor is XXXX XXXX. 
I filed a complaint with the XXXX and received a response from XXXX XXXX stating that I enrolled in service on XX/XX/XXXX and services began the following day on the XX/XX/XXXX.

I have a receipt for payment on the XX/XX/XXXX to XXXX XXXX XXXX. 

I feel this is very deceptive to appear as XXXX XXXX XXXX but actually be XXXX XXXX, and require a deposit to start service and then start service without the deposit and without my knowledge. 

Now my credit report is being affected by this unfair and unethical business practice. 

I have explained this to the company directly, and provided the receipt for payment to the company I chose to do business with on the same day that I was told I enrolled with XXXX XXXX. 

All I want is this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have incorrect addresses on my credit report. I had type up an letter to Experian requesting to dispute & remove these inaccurate addresses from my credit file. I had sent out the request by certified mail. It was delivery to an agent on site on XX/XX/2018 in XXXX, TX XXXX at XXXX. It has well over 30 days, and I still haven't had my those inaccurate addresses remove from my credit file. 

I also stated in my letter : Please remove both of these addresses from credit report, as they are not deliverable to me by the U.S. Post Office and they are not reportable under the FCRA, since they are inaccurate.

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 2018-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On Saturday, XX/XX/2018, I paid off two auto loans at the Huntington Bank branch located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. As both loans were paid prior to maturity, the teller assisting me had to determine the payoff amounts. The teller said that he would waive the early payment penalty provision on one of the loans ( for a XXXX XXXX ), and that,  according to the teller, the other loan did not have such a provision. I wrote two checks for the payoff amounts ( {$5700.00} and {$9900.00} ) the teller provided to me. The checks were debited/posted to my checking account on Tuesday, XX/XX/2018. 

A few weeks later I received a notification ( via mail ) that one of the loans ( the XXXX XXXX loan ) was delinquent. I called the phone number on the communication and spoke with Huntington representative who said that the notification was sent because an early payment penalty had not been properly waived in the Huntington system, and that he would conduct the appropriate process for the fee to be waived, and the corresponding late fee that had been applied by Huntington would also be waived. 

Several weeks later I received another written communication from Huntington, and the bank began calling my place of employment. When I returned the call and explained the situation, I was told I had to speak with a supervisor for resolution. After waiting on hold for many minutes, I was told the supervisor was not available but would call me back. The next day, while I was in a work meeting, I received a call from a person who identified himself as " XXXX XXXX '', and asked me to call him at a specified number. I call the number and asked for XXXX XXXX, but was told there was not a XXXX XXXX that worked for Huntington Bank. When I explained the situation and the reason for my call, I was told the late fees had now doubled. The woman that I spoke with on the call was rude and arrogant. She said that a supervisor would call me, but that call did not occur, only more calls to my work from agents without the ability/empowerment to honor the commitment of two other Huntington representatives.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Trans union has not been able to provide me mechanisms to prove to me as required by Federal law FCRA that XXXX : XXXX actually belongs to me. 

According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), They are required by Federal law to verify- Through the physical verification of the original signed consumer contract-any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I want to see verifiable proof ( an original consumer contract with my signature on it ) or remove this account.

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 2018-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
My husband and I took out a car loan with GM Financial. Early this year, XX/XX/XXXX, we noticed that the company was not reporting our account information to the credit bureaus. They stated that they were " switching systems '' and could not report to the bureaus. I called several times over several months trying to find out when this situation would be corrected. The company, finally reported some information in late XX/XX/XXXX or early XX/XX/XXXX because I adamantly requested that they manually update the credit bureau. We thought that this issue was finally taken care of. However, we refinanced with another company at the beginning of XX/XX/XXXX. XX/XX/XXXX is the date that the account, with GM Financial, was paid off. They stated this would be reported on the next billing cycle, which would be XX/XX/XXXX. It was never reported. I have called numerous times in the last month to find out why this has not been reported and when it will be reported. I was told that this would be reported on XX/XX/XXXX. It is now XX/XX/XXXX, and GM Financial stated that they are again experiencing system issues. They are unable to report that our account with them is closed. My credit report still shows that I owe their company a little over {$12000.00}. GM Financial is unsure when they will have a solution to the " system issue '' that is not allowing them to report our closed account. My husband and I are unable to apply for a mortgage or look for another vehicle, because it shows that we are in way more debt than we are. The issues with this company have been ongoing for over 6 months. On top of these issues, the customer service was horribly rude and there was ZERO communication about the lack of reporting or issues that this company was having.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: OH

Complaint narrative:
There was a fraudulent charge of {$6800.00} charged to my Checking account by CoinBase. I do not have a CoinBase account, so I believe someone has stolen my bank account information and made the unauthorized charge. I have contacted CoinBase and they have refused to investigate the issue, saying that it is my bank 's responsibility to investigate it. I believe this is an unacceptable response from a US based company. If they are unable to provide a secure method of processing transactions to minimize fraud, they should not be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I received an alert from my bank regarding a collection in the amount of {$460.00} reported on all three credit reports. The amount shows as open on XX/XX/18. This is bogus information. There is missing information and different information for the same account on all three. The company has since added another name on one of my reports after I complained due to bogus and missing information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: NC

Complaint narrative:
My mother used her XXXX XXXX Debit Card and attempted to withdraw cash from an ATM ( I am her representative payee ). The ATM dispensed no cash, issued no receipt. It flashed an error message " your financial institute does not allow transactions of this value ''. When she went to a different ATM, the previous withdrawal had been deducted from her account as if indeed it had been dispensed. I could not contact this company and I made MANY attempts to remedy this error until almost three days later. I was unable to successfully file a claim with them until six days later and they then made her wait another twenty days to issue a 'temporary ' credit while they researched. One month later, I received a letter from XXXX XXXX Stating they were reversing the temporary credit because the merchant 'stated ' there were no errors on that atm. They did not demand proof of dispensation and they have not complied with my request for all documents pertaining to these transactions and for the proof of dispensation. I am attaching a full outline of all dates for phone calls and actions taken by myself.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-16 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: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to gain information. Help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: IL

Complaint narrative:
I recieved a bill from the collection agency on XXXX-18. After recieving the bill for the amount owed. I responded to the collection agency with a verification of debt letter. Soon after, I recieved another letter from the collection agency asking me to settle the amount for lesser than what is owed. The collection agency has yet to validate the debt, nor have they responded to my request. Due to the fact that the debt is not validated, I request that the CFPB have it removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Today, XX/XX/XXXX, I went to Lowe 's to make a purchase with an understanding that I had $ 1500+/ {$2000.00} available credit, only to be declined at check-out. I called XXXX XXXX at the Lowe 's Customer Service desk only to be informed that on XX/XX/XXXX, they closed my account without any notification they were closing my account. I was informed by a XXXX XXXX representative that they closed my account due to a recent credit review. I informed the representative that my credit history/score is actually better/higher than when I first opened the account in XX/XX/XXXX. I informed the representative that the account closure was unwarranted and significantly dropped my score due to the closure. 
I have never been late on payments for this account or any other account I currently utilize. I do not generally carry a balance on credit accounts. Upon research, XXXX XXXX is notorious for these banking practices by closing account ( s ) without warning and without warrant of doing so. XXXX XXXX is utilized by multiple corporations by offering store credit cards and I will never utilize this bank for future credit offers by any store that uses this bank. I will continue to utilize my other reliable credit accounts to make all my purchases.

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 2018-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Last month, on XX/XX/XXXX, I realized that I had not paid one dollar toward the premium on my auto loan. A friend of mine in the conversation said " What do you owe? You've had your car loan long enough to be paid off already. I looked at the bill and was outraged to see that I had not paid anything on the premium and had been only paying off the monthly interest. I called the company to see if they could release the loan or refinance it. They said that they understood, but they do not refinance their loans. The loan was for a XXXX XXXX that I had purchased on XX/XX/XXXX, for {$9000.00} with XXXX on miles on it, from dealer # XXXX with a car loan for close to {$11000.00}. The payoff amount ( today ) on XX/XX/XXXX, including repossession fees of {$880.00} totals for {$9700.00}. 
The company is Santander Consumer USA Account Number Is XXXX Monthly payment is {$280.00} Monthly interest is {$280.00} XX/XX/XXXX past due is {$1700.00} ( per their website ) Last payment was {$850.00} on XX/XX/XXXX ( paid from student loan ) Account Maturity is XX/XX/XXXX Next payment is due on XX/XX/XXXX I figure if my payments started in XX/XX/XXXX and ended in XX/XX/XXXX that I would have paid 44 ( months total ) x {$280.00} ( monthly payment amount ) equalling {$12000.00} and that amount comes way over the {$11000.00} loan amount I thought I was paying for my car. I have been told I will probably go to my grave and my car will be my coffin if I don't do something now about this loan. Santander will not help me, even if they know I am a XXXX XXXX, under a hardship, and having trouble making my payments. I did not know auto loans like this ever existed and feel embarrassed that I got bluffed by a loan shark and a crooked dealership.

Company response to consumer: Closed with explanation