vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: AZ

Complaint narrative:
Coast Professional , Inc is a debt collector. In late XXXX they falsely reported a debt on my credit report. It took me over 12 months to get Coast Professional , Inc to  deleted the debt from the 3 credit bureaus. They finally took it off when I involved the State of Arizona, Department of Financial Institutions and the Arizona Attorney General. 
On XXXX/XXXX/XXXX they responded to the State of Arizona, Department of Financial Institutions and on XXXX/XXXX/XXXX they responded to the Office of the Arizona Attorney General that on XXXX/XXXX/XXXX they requested all credit reporting bureaus to update and remove the reported information by Coast. However, their inquires still remain. I have again started the process for them to rectify their mistake and removing any/all inquiries yet I have gotten nowhere and now for the past 12 months I have continued to use my time rectifying Coast Professionals mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: PA

Complaint narrative:
I sent {$100000.00} to my brother in-law ( XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX through Moneygram, He went to XXXX XXXX in XXXX XXXX XXXX to crollect the money ( {$1000.00} XXXX, after filling the require form, he was told at the XXXX XXXX that their payout limit is {$600.00} dollars only, it was on saturday. so nothing was given to him, the following monday he went to another bank, and they said the Reference number is invalued,, i called Moneygram customer service and ask if they could re-issued a new reference number. their customer representatvie said the money was paid out, i explained what happend in XXXX, i even spoke to the Bank branch manager he said it was n't paid. he said because the teller keyed in the reference number that is why it is showing as if it was paid out, The branch manager advice me to get a refund so that i can resend the money with a new reference number. i was transfer to the fraud dept of the Moneygram and they said i will hear from them within 90 days, then yesterday the XXXX of XXXX i got the attached letter in the mail. They refused to tell me where the money was cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Dear Consumer Finance Protection Bureau : XXXX XXXX, in store credit card, has overbilled me on my credit card, and the balances are incorrect. For example, the first statement in XXXX XXXX, has purchases of XXXX, and the statement has an incorrect balance of XXXX. Also, please check the XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX statements for incorrect balances on purchases. Furthermore, XXXX XXXX needs to credit me a total of XXXX, to my credit card with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: MI

Complaint narrative:
XXXX XXXX sent my information to a Debt Collector claiming that I defaulted on a lease for {$1500.00}. On X/XX/17 I called both the debt collector and XXXX XXXX and got no response and no return phone call. I have never leased anything with XXXX. I have never even heard of this company until today. After doing some research I found that they do leasing for XXXX and XXXX, neither of which have I ever leased anything through. I decided I should file a complaint as it seems that I 'm not the first person to have this happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX called and left a message saying they were the Action Collection Agency of XXXX and asked I returned the call. When I called them back the agent said he wanted to confirm some personal details before he told the nature of the call. I asked him to tell me what the call was about before I disclosed any personal information. He refused and kept asking me to confirm my address. I told him that if he did n't tell me what he was calling about he could write me a letter but he refused to do that because he said he might be mailing the wrong person. ( He could be calling the wrong person too. ) The badgering continued for some time and I finally told him that without understanding his request I would certainly not provide personal information so I would end the call and complain to the appropriate agency. He said the call was over and hung up. I have no idea what this is about. I am not aware of owing anyone any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: FORD MOTOR CREDIT CO.
State: MO

Complaint narrative:
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 Ford Motor Credit x2 XXXX XXXX XXXX x2 XXXX  XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: Garcadia Financial LLC
State: MO

Complaint narrative:
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank 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 2017-08-23 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. 38 hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX x4 XXXX XXXX x4 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX x6 XXXX XXXX x2 XXXX XXXX XXXX XXXX x3 XXXX XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX x2

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: SUNTRUST BANKS, INC.
State: MO

Complaint narrative:
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Suntrust XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank 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 2017-08-23 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: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX Bank 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 explanation
Consumer complaint received 2017-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I spoke to Transunion today about inaccurate address on my credit report. Credit report XXXX. I told them the address that does not belong to me and that I have never ever lived at that address. The agent told me that he could not delete it and I insisted to him the address is wrong. I am concerned about identity theft and I want this address removed before I take the next step to filing a lawsuit. It is the credit bureau job to report accurate information and at this time they are not. I am angry and appalled about this. The only address that is correct is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The other address XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX is WRONG. I hope to have this remedied as soon as possible.

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 2017-08-23 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: AFNI INC.
State: FL

Complaint narrative:
An account from XXXX that was beyond the statute of limitation and was since removed from credit report just showed up again as a new debt in collections that is 3 months old. This has been disputed with XXXX but I would like to report the collector who is reopening closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WV

Complaint narrative:
On XXXX the XXXX I withdrew {$390.00} out of my Coinbase account to go into my XXXX XXXX XXXX bank account. Its now XXXX the XXXX and it still says my transfer is pending. I 've emailed support twice over the past two weeks for a transfer that should only take 2-5 days. And I 've gotten zero response of what is going on and why its taking so long. My accounts email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: LEXISNEXIS
State: MO

Complaint narrative:
Credit Burea XXXX XXXX stated that Lexis nexis verified the bankruptcy with the courts but per the letter I received from the courts that 's not true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: MO

Complaint narrative:
Credit Burea Trans union stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true

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 2017-08-23 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: CA

Complaint narrative:
Experian is reporting specific information on my report that is wrong. I have notified them of these items and they have not resolved or corrected any of them. Under the negative items, the XXXX XXXX they are repeating does n't or belong to me and is a fraudulent account. I need this removed from my credit file. Under the accounts section they are reporting a XXXX XXXX XXXX XXXX card card as closed when in fact it is open and being paid on time. I have notified the, of this error for now numerous months and the fraudulent account for over two years now. Then they have several inquiries I did not authorize and would like removed.

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 2017-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
In XX/XX/XXXXI went to XXXX XXXX XXXX ( owned by XXXX XXXX ) a check cashing agency in XXXX XXXX MO to help pay my bills due to being a single mom that was getting no child support. Unfortunately, things got difficult for me financially and I ended up defaulting on this loan. I was taken to court and my pay ended up being garnished in XX/XX/XXXX. The case information for that satisfaction of Judgement with the XXXX XXXX XXXX Missouri Courts is as follows : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. It states clearly that I paid it in full as a Satisfaction of Judgement is clearly indicated on the files that can be viewed by the public on Missouri Case.net I have also enclosed screen shots of this with this complaint. The satisfaction of judgement was entered on XX/XX/XXXX by : XXXX XXXX XXXX XXXX On Behalf Of : XXXX XXXX XXXX. I received a letter today, XX/XX/XXXX, from XXXX XXXX XXXX, XXXX. a law firm that does debt collecting ( XXXX ) XXXX referencing Circuit Court case # XXXX stating my bank account and wages will be garnished for this very same debt that I already paid for. They want {$3700.00} for a loan that was only {$500.00}. They have already garnished my bank account. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX TN : XXXX Fax : XXXX email : XXXX New Court Case E # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I first sent letters on XXXX XXXX, 2016, letters attached and Return Receipts, to XXXX and XXXX XXXX, after checking my Experian credit report and noticing XXXX and XXXX making an inquiry into my Experian credit report, asking why but never received any responses from them. Made numerous phone calls also and they can not remove it due to " ME '' allowing them to run it but clearly told them I never ever applied for anything from their companies. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to XXXX 's and XXXX 's alleged purpose for doing so since I did not apply for credit with their companies. This inquiries were performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I then sent a letter to Experian, letter attached, and did not also receive any responses from them. Then I made a phone call to them and Experian told me they can not do anything about these inquiries and that I would have to contact XXXX and XXXX, which I did numerous times, and still these inquiries are on my Experian credit report. What do I do now? I am very confused as all three parties are not doing anything about deleting this unauthorized inquiry.

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 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I contacted Santander Consumer 4 times. I wanted to settle the debt of XXXX dollars. They told me if I paid XXXX dollars of the debt it would be updated and removed from my credit report. I requested confirmation of this on 3 separate occasions. They have yet to update this on my credit report. It is still stating that the debt is owed and I yet to receive the confirmation letter from the company, though I requested this information on several occasions. I would like my XXXX refunded to me the original charge off date returned to me in the form of a check or redeposited into my bank account or this debt removed from my credit report. This is falsification of information and I would have never restarted this debt had the company not lied and stated the information would be removed from my credit report. I am making strides to fix all things on my credit report and I 'm very upset that they are n't being truthful.

Company response to consumer: Closed with explanation