vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-28 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:
Dear Equifax/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

XXXX XXXX XXXX XXXX Credit Account : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA XXXX 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above. 


Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX I decided to sell {$200.00} USD of XXXX cryptocurrency and have it go into my bank account. It 's been almost 10 days and have not seen a transaction. Contacting customer service on XXXX/XXXX/XXXX results in an AI bot that just keeps redirecting you through FAQ pages. Now I have money lost with the coinbase app showing transaction is completed in transferring funds and I have other the remaining coin that I 'll need to just extract. My bank account has been validated and linked to the service and which was validated through multiple deposis so it is n't the wrong account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Enterprise Systems, Inc.
State: AL

Complaint narrative:
Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions.

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 2017-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I am very confused as to why I have student loans from Navient Department of Education and they did NOT pay the University that I was attending for the Fall XXXX semester. The university NEVER received the money but I still have to pay back the loans that I never received. Another thing is that I did not attend the university for the XXXX semester because the university did not receive the full tuition payment. So therefore I had to leave college because of financial issues due to loans that I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: NY

Complaint narrative:
I received a copy of my credit report in XXXX XXXX. I disputed a debt collection which was originally XXXX I believe and is now with afini collections. I sent a certified letter to the collections agency asking for debt validation and they sent a bill statement as proof which wasnt proof because I never had a contract with XXXX. I sent another letter to afini again asking for proof because this IS NOT MY DEBT my calls and letters have been ignored

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Hello, So I open account with Coinbase and I had to link my bank account to transfer the fund from bank to Coinbase platform to be able to trade. Everything was successful till I had to sell my bitcoin for the amounts of {$1800.00} from Coinbase platform and deposited back to my bank account that is linked to Coinbase platform. 

Coinbase platform show that the transaction was completed by XXXX XXXX, 2017. But the problem is i havent receive the money yet and I cant reach out to Coinbase customer support and I have sent them multiple email with this matter to try to solve ASAP but unfortunately no response. 

This Coinbase fraud either stole my money or take the money to a different account and I need approve of the ACH transfer that has been done. 

Please advise how I can get my money back from the fraud company Regard

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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:
Dear Experian/ XXXX XXXX ( CEO ) XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX I am writing this complaint because you did not promptly deleted the info that I had disputed due to identity theft. 

You failed to comply with law that you are required under Fair Credit Reporting Act ( FCRA ).

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of alleged identity theft. 

Creditor : XXXX XXXX XXXX XXXX XXXX : XXXX Reason : Identity Theft This account has been previously been disputed and you did not deleted required under FCRA. 


THIS LETTER serves as the formal notice of my intent to file a lawsuit against you in court, due to your failure of correcting/deleting the account above.

Your failure to correct or fix this issue will prompt me to pursue my legal rights under 15USC Section 1681n or 1681o of the Fair Credit Reporting Act ( hereinafter referred to as FCRA ), Civil liability for willful noncompliance. Your company may be liable for : - Any actual damages I sustain due to your failure to delete this item ; - Cost of court action in order to have the item deleted ; - Punitive damages as the court may allow ; XXXX XXXX XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. I would prefer not to use the courts to resolve this matter.

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 2017-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX XXXX XXXX has deliberately moved charges on my account on two different occasions so they could charge me overdrawn fees. They moved the bigger charges first so they could put the smaller ones on last to charge my account six overdrawn fees.Some of these charges had already cleared my account two days earlier. How can a person survive with such conniving going on behind your back. This bank has been sued before for this exact process and lost the case. Which did get us a handsome refund due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was trying to access my account using another app and I was restricted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: The CBE Group, Inc.
State: ME

Complaint narrative:
on XXXX/2017 this company published a derogatory mark on all 3 of my credit reports, I have never heard of this company, or, received anything from this company, it just appeared on all 3 of my reports. I do not have a/nor have I ever, had a contract with this compay, or, gave permission to this company to access my information, or, post anything on my credit report. I want proof of my wet siganture and me giving permission to this company accessing my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Accounts Service Team Inc.
State: TN

Complaint narrative:
XXXX at around XXXX i was contacted by Financial Account Services Team ( XXXX  ). I had paid 2 accounts off XXXX XXXX and the rep was telling me the accounts were still open and that i had never made a payment. I supplied her with the Receipt number from where i paid it. She still insisted i owed the money. I asked for a supervisor. The next person on the phone proceeded to say things like " you must be one of those dads who do n't support his kids '' she ended up hanging up on me with other words said back and forth. I called back and talked to rep XXXX at ext XXXX. She quietly told me she over heard the other rep and she was new and she spoke out of line and gave me the owner XXXX XXXXXXXX XXXX name. She also advised me that the money i paid on XXXX was applied to a different debt account that i did n't even know i had and that it could n't be reversed that only XXXX could do that. I called XXXX today XXXX. After arguing with him over the debt he is threatening legal action against me on the debt that the payments were applied to. He did reverse the payment to the correct accounts but is now threatening legal action on account i have never received notice of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I recently received a copy of my credit report and I noticed a debt that doesnt belong to me. In XXXX 2017 I sent the collections agency a letter asking for debt validation. I never received anything back from the agency and again I sent another letter asking for proof of said debt and still nothing. This debt is not mine and its affecting my credit scores and I have tried to reach out to the agency many times with no success

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 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: FL

Complaint narrative:
Equifax is reporting the said company " XXXX  XXXX '' on my credit report, which is damaging to my FICO scores. 
Below is what XXXX XXXX replied in response to the original dispute complaint we received from the CFPB. 
( See Sentence # 11 ) XXXX CLOSED THIS ACCOUNT __________________________________________________________ We appreciate the opportunity to respond to your concerns. We have reviewed the complaint and the related matter. As a result of our investigation we are replying with the following information. We have located XXXX accounts for you in our office. XXXX placed an account in our office on XXXX/XXXX/XXXX to collect a balance of {$420.00} on their behalf. On XXXX/XXXX/XXXX, we received your request for validation. The account was placed into a dispute status and collection efforts were suspended. On XXXX/XXXX/XXXX, the documentation for the XXXX account was mailed to you. The account remained in a disputed status. On XXXX/XXXX/XXXX, we received letter from you asking to see something you signed stating you owe XXXX  and money. XXXX XXXX is a third party collection agency, XXXX placed the account with our office to collect the past due balance owed. XXXX CLOSED THIS ACCOUNT in our office and returned to our client, XXXX. We can confirm that we requested our information for this account to be removed from the credit bureaus on XXXX/XXXX/XXXX. Please contact XXXX directly for further assistance regarding that account. On XXXX/XXXX/XXXX, Florida XXXX and XXXX XXXX placed an account in our office to collect a balance of {$110.00} on their behalf. This is the first communication we have received on behalf of this account. We have requested validation of this account to be mailed to the address you provided to the CFPB. The account has been placed into a disputed status and collection efforts have been suspended. We have filed a request of deletion, via the credit bureaus, for removal of all trade line entries from your credit report for the Florida XXXX and XXXX XXXX account. The AUD control # is XXXX. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXXXXXXXXXX ; Kind regards, Compliance Representative at XXXX  XXXX, XXXXad to say about said account : Below is a CFPB response also, Equifax is not acknowledging that XXXX XXXX has supposedly notified Equifax to remove blemish account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
XX/XX/XXXX.2017. A wire transfer was made in the amount of {$55000.00} to a vendor in XXXX XXXX known by us ( Company ) for many years. Correspondence continued  back and forth until transfer was made. When vendor did not confirm receipt of funds, we discovered that we had been defrauded and that the long email address was missing one letter. 

Our bank was contacted as soon as we realized what happened and asked them to recall the wire. However, our bank uses XXXX XXXX as the intermediary bank for international wires and the receiving bank was XXXX. Despite numerous telephone calls, emails and police reports, neither our bank, Santander or XXXX XXXX responded to us as of today. We were told that XXXX XXXX " attempted '' to communicate with XXXX to recover the funds, but XXXX has not responded at all. 

We are an extremely small company and the possibility of someone intercepting our emails and knowing that we are making international wire transfers is highly unlikely. We believe that either Santander and XXXX XXXX data has been compromised or that someone in these organizations is selling the information to a fraudulent entity. There is no indication that either of these 2 organizations have done anything to stop this from happening to other companies. As far as XXXX, we believe that they are harboring fraudulent entities in their countries because they had all of the information of the " person '' who received this wire, however, they have done absolutely nothing.

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 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
Never heard of the company, Midwest Recovery Systems until I started getting calls week of XXXX XXXX. They never leave messages. Reviewed my XXXX report today to see they are stating I owe them {$800.00} from the original creditor XXXX XXXX. This company does not exist calling from different cell # 's in the state of Florida. State Of Florida is not in the Midwest that 's how sad this is. This is ridiculous. It amazes me they call the week this was added to my credit report with no previous documentation stating I owe this bill, which I do not. I am highly XXXX XXXX  and plan to go to local authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I recently received a copy of my credit report and I noticed that theres an account with collections on my report. I sent a certified letter to the collections agency asking for debt validation in XXXX 2017 I have not received a response from the agency and again i sent another letter asking for debt validation since I have no knowledge of this account or what it could possibly be for or from. I tried reaching out via phone with no success and this negative account is damaging my credit

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 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One is blocking me from enabling external applications ( like XXXX ). I believe that by blocking me from accessing my own financial data, this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I received an email from XXXX XXXX that my XXXX XXXX store card had been approved. I did not apply for an XXXX store card. I also received an email from XXXX that my order for a {$1400.00} XXXX headlight was being processed. I do not own a XXXX. I immediately contacted XXXX, they put a freeze on the card and my account so it can not be used. However, the headlight was from a 3rd party seller and I received an email from them that the headlight had shipped. I live in XXXX, MS this headlight is being shipped to someone in New Jersey. I do not know anyone in New Jersey and I did not apply for that 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 non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Diversified Consultants, Inc.
State: ND

Complaint narrative:
i kept getting bills for these i did n't buy and in XXXX and XXXX and i contacted the company and they told me not to worry but yet put me into collections

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
I recently received a copy of my credit report and I noticed an account was placed with collections in my name that I have no knowledge of this debt. In XX/XX/XXXX I sent a certified letter to the collections agency asking for debt validation and I never received a response back. I again sent another letter in the beginning of XX/XX/XXXX and made phone calls with no success. This debt is not mine and Ive tried every option I could think of to fix this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I paid my account on the XXXX of XXXX - Capital one did not credited the payment until the next day which result in a past due fee. This is not my fault, I need this fee removed from my account. This happens often with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Resolution Group, LLC
State: VA

Complaint narrative:
This complaint is in reference to Global Resolution Group based in XXXX NY. I received a call on my work phone at XXXX, cell phone at XXXX, they called my ex-husband at XXXX, and finally called my husband at XXXX all on XXXX XXXX 2017.  When they spoke with my husband, they told him they were trying to reach me in reference to a claim against me. They wanted him to verify my date of birth and my ssn which he refused to do over the phone and told them they would need to send something to us in writing via mail. They told my husband they were going to flag this as a forced claim and send it on up. I looked them up online and could find very little information about them or their company aside from their website. There are very few reviews about this company. I also looked them up on the Department of Professional Occupational Regulation in New York and could not find them listed as a licensed business in New York. Internet loans are not legal in Virginia and there have been several class action law suits filed in the last few weeks against internet loan and payday loan lenders. The person who called stated ( on my voicemail ) he was doing a pre-legal review of my claim. This is the first time I have even been contacted by this " company '' and feel as though they were threatening to take legal action against me. I also tried to find the location of the company on XXXX maps and the address they have listed shows up as a tree on the satellite imagery. Interestingly this group is located on the same block that internet lenders and payday lenders have listed as entities loans have been " sold to '' as well, they are all within a one mile radius of each other.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation