vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. XXXX has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I sent a dispute to each of the CBs identifying the 'hard inquiries ' that " I did not authorize as well as closed accounts, collection accounts and account reporting derogatory for validation of signatures from me showing the account belongs to me and I 've agreed to their terms. Real credit auto is a big account because they have posted my personal information such as Ssn date of birth and also a person address listed for many these inquires and accounts in question. Experian has recently removed them from my reporting but other CB are still reporting incorrectly. I have also filed an identity theft alert for transunion because of all these hard inquires after my personal information was published. I then filing this complaint asking for assistance with getting the CBs to provide me with proof of their validity and attached the notices that I previously sent and received from the CBs as it related to my claims. Requesting all all reporting be validated with signatures, address and dates from all CB reporting.

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 2018-01-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2017 I mailed a letter to Equifax stating that an inaccurate item being reported was being reported on my credit report by XXXX XXXX XXXX XXXX. The item shows a balance of {$57.00} and an account status of charge off. I enclosed a photocopy of the validation letter that I sent to XXXX XXXX XXXX XXXX at the address on my credit report ( XXXX XXXX, XXXX, MI XXXX ), it was returned to me by the post office.I demanded that they remove the inaccurate information immediately. i even provided them with a copy of my credit report showing the inaccurate item. I received the results of my investigation from Equifax stating that they the creditor has verified to them that the account is being reported accurately, and informed to me that if I was to have any additional questions to please contact : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX MI XXXX which I informed them I tried to do but I was unsuccessful in my attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX To whom it may concern : I need assistance from your agency. Recently I applied for, and was denied a loan, due to the fact that a collection company by the name of XXXX XXXX, has placed a falsified, fraudulent collection debt on my credit files. 

This XXXX XXXX XXXX, has placed a falsified collection debt with a status date of XX/XX/XXXX on my credit files, as though I have had a recent outstanding balance owed to XXXX in the amount of {$500.00}, and none of this information is true. 

In XX/XX/XXXX, at the end of my contract with XXXX, I paid my last bill in full, and I have had nothing to do with that company in over 4 years. 

Back in XX/XX/XXXX, my sister and I were on a XXXX cell phone plan together, and during the time that we had that plan, everything that could go wrong for us with XXXX, and this plan did. 

We purchased telephones from them, and the phones were just garbage, constant issues, we were constantly trying to get assistance from their customer service, either by telephone, or we had to constantly go to one of their stores. 

Finally in XX/XX/XXXX at the end of our contract, we both paid our bills in full, and we transferred to another service provider. 

Supervisors XXXX XXXX, and XXXX XXXX from XXXX can verify what I have stated, my sister and I had dealings with them both at the ending of our contract in XX/XX/XXXX. 

This XXXX XXXX, has never contacted me regarding this fraudulent collection account prior to them placing this fraudulent debt on my credit files. 

Just a few months ago, I had to get my attorney involved, because XXXX had, had another collection agency to place this same fraudulent debt onto my credit files, and my attorney had contacted the other collection agency to remove the fraudulent collection from my credit files, or be sued. 

This XXXX XXXX is tarnishing, and ruining my credit rating by placing this fraudulent collection debt onto my credit files, and I want this fraudulent debt removed from my credit files immediately, and I want hard copy proof on their letterhead that this has been done. 

I would also like proof that they are licensed to collect in my state, as well as I would like them to provide their license numbers and Registered Agent documentation. 

I want XXXX XXXX, to cease and desist, I do not owe this fraudulent collection debt, or I will seek legal action against them. 

I want XXXX XXXX to reply directly back to the Consumer Financial Protection Bureau, and the Consumer Financial Bureau can contact me. 
This foolishness has to stop, and I want the Consumer Financial Bureau involved every step of the way.

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 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX my PayPal account ( created since 2014 ) was limited due to several key points or issues. It was done during the purchases of urgent necessities for my work. They claim that my account is linked to another account created under my name after I created this one. 

They have on hold {$41.00} and caused a contract ( due to unavailability to purchase online digital goods such as servers for hosting and web domains ) to be broken on my part for the amount of {$630.00} for my online services. 

They claim there is an amount due ( not disclosed by them ) and an account with my personal information ( details not mentioned by them such as email address, name under the account, phone number, etc ) I demanded the case to be elevated to fraud for a possible identity fraud, however, I 've received no additional communications from them. 

I 've been attempting to contact through phone 2 times with waits longer than 1 hour and  30 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: Ad Astra Recovery Services Inc
State: TN

Complaint narrative:
XXXX XXXX will not send me validation of the account they are reporting to all three bureaus. I have asked several times for them to send me proof that I owe them a debt. They sent me a document that I have never seen before nor did I sign. I demand this invalidated account be removed permanently and immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: TAMMAC HOLDINGS CORP
State: PA

Complaint narrative:
We entered in to a mobile home contract with Tammac Holdings in XXXX. Declared bankruptcy XXXX. No payments were made from XXXX forward. Bankrupty case was dismissed in late XXXX. Tammac has re aged the account and continues to report incorrect information including the Date of First Deliquency which allows this negative to remain on our credit reports until XXXX. 
We have disputed as Obsolete with the CRAs and sent proof to all XXXX, XXXX  and XXXX. XXXX deleted this account from its Tradeline, however XXXX and XXXX allowed Tammac to respond with " Verified '' and did n't even consider the proof sent. My wife is currently disputing with XXXX again as Incorrect Information with the exact same information. We have previous credit reports, some dating from XXXX, that show different dates, amounts and statuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX an unauthorized Charge was taken out of my account for the total amount of {$210.00}. I secured my account the same day and changed my password as well. I sent an email to Coinbase Support explaining what happened and they temporarily disabled my account. They told me on XX/XX/XXXX that once a security review was completed I would be able to access my account again but it might take 10 days. I have completed the all the steps on their review but still have not heard back from them. I have over {$20000.00} worth of virtual currency in my Coinbase account but until they unlock my account I can not access my funds. I need them to turn my account back on.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
This account do n't belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This account do n't belong to me, I never open this credit card.

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 2018-01-07 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: OH

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: GA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
After being a Coinbase customer since XX/XX/XXXX, on XX/XX/XXXX I noticed I was no longer able to log into my Coinbase account as none of my 2fa codes were working. I went through all the appropriate troubleshooting recommended on the Coinbase website. I was unable to reach anyone at Coinbase by either phone support or emailing customer support, and the Coinbase ID verification servers were malfunctioning as posted on their website with no timetable for being fixed, preventing me from accessing my account that way. As every option to remedy this problem was exhausted, I wanted to ensure my account was secured so I submitted a request on XX/XX/XXXX to lock my account and was told an account specialist would be reviewing my account and contacting me shortly. Since that time, I have spent a total of 6 hours on hold via 8 separate phone calls just to eventually either get hung up on by multiple customer support agents or have them answer and say there is nothing they can do to help. I have sent multiple emails with only generic responses and empty promises that someone is " looking into '' the issue. One Coinbase phone representative I spoke with said that it was impossible to give me an estimate on how long it would take to get my access restored to my account, and there was literally nothing she or anyone else could do about it. She also refused to let me speak with a supervisor, saying that she did not have one there. It has now been 26 days since I have had access to my funds, despite extensive effort on my part to regain access.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: IL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-07 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: Colony Brands, Inc.
State: VA

Complaint narrative:
when i checked my credit report i found a hard inquiry from XXXX XXXX inquiry dated X-X-2018.. I did not make any kind of report for them ... I did not know XXXX was sitll in business ... could you check this out and let me know what is going on? thank you .XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2018-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This is a formal complaint against Transworld Systems ( TS ) for violating the conditions of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the FDCPA requires every collector to send a written validation notice stating how much money is owed within five days after first contact. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. Although I noticed on my phone that I had been called by Transworld Systems ( but never talked to anyone ), this attempt to communicate serves as first contact. However, I did NOT at any time receive a written validation notice from TS within five days, as the FDCPA requires. 

In addition, and although I questioned the validity of this debt from an ER doctor out of network for XXXX, I had made a significant payment as recently as XX/XX/2017 ( after my SS check was directly deposited ), which was before Transworld Systems became involved. Within the last several days, and being in violation of the FDCPA, TS wrongfully turned over this small debt ( {$130.00} ) to the credit agencies, creating unnecessary havoc where none should have occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have a student loan with Navient. Been paying them for a little over a year and they keep increasing my loan. That its affecting my credit score as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have made a purchase on XXXX site on XX/XX/XXXX. Subsequently have returned the merchandise as per Return Policy and requested a refund. However the company issued a Partial Refund. So I started a Dispute with Chase Credit Card on XX/XX/XXXX. As of now, there is no action whatsoever on my Dispute. As I have returned merchandise in the Unworn condition and have acted strictly by the Return Policy that I still have a screenshot of, I am requesting a Full Refund, yet Chase is n't moving. My Dispute is for the balance of the purchase in the amount of {$57.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CHECK INTO CASH INC.
State: WI

Complaint narrative:
The company advertises personalized checks, which must be pre-authorized. Beginning in XXXX 2015, I have had multiple, multiple instances where the check verification system was malfunctioning. I would often write rent checks on Saturdays, and when the system was n't working I would be told to call back on Monday for technical support. 

I wrote to XXXX XXXX ( former president of XXXX, and XXXX XXXX ( former VP at XXXX ) over the past two+ years. 

After the last incident, I told Customer Service that I would file a complaint with BBB. Subsequently, XXXX has decided to close my account. I have been filing valid reports with them for over two years about a problem with their systems. Their response is to close my account. 

I see from their BBB history that they have a practice of closing accounts when their customer complains.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
0n XXXX XXXX a dispute was generated with Experian against a falsely reported account by XXXX XXXX appearing on my credit report ; Experian said they investigated, and the debt was valid. 
I did a 7 day test drive with XXXX, and XXXX XXXX was to finance if I accepted the car ; I returned the car to XXXX, and received my down payment back, but Go financial is reporting this as a debt to credit bureaus. 
I have spoken with XXXX XXXX, and they stated there was nothing they could do concerning this, I also spoke with XXXX, and they stated the car was returned, and this was not a valid debt. 
I need this removed from my credit report as this is false information, and hinders my ability to purchase anything due to debt to income appearing to high.

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