vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 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: CA

Complaint narrative:
RE : Report number XXXX, XXXX XXXX, 2016 Name IDs : XXXX, XXXX, XXXX My Experian Credit Reports not only an incorrect report of unpaid fees from a collection agency, XXXX XXXX XXXX XXXX, for a company named XXXX XXXX XXXX XXXX XXXX, but repeats this as over a half dozen unpaid fees. All of these fees had been paid at the time of service, as was strictly required and payment enforced before service performed, but due to the service provider 's sloppy record keeping, the business did not properly record the payments, while it 's fastidious policy of requiring payment on the spot insured non-payment would not happen. I am not only upset at their erroneous reporting, but their maliciously reporting their claim multiple times as if they were a multitude of credit incidents making their damage to my credit as though a multitude of creditors for their small ( approx. {$20.00} ), individual payment required at the time of each service. 

I refer specifically to their repetitive entries on my credit report : Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Account number - XXXX Not only are these maliciously reported multiply repeatedly to accumulate undue overstating and degrading of my credit, each and everyone are false reports of already paid fees which are improperly being claimed!

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 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
I was gifted a {$100.00} XXXX XXXX XXXX XXXX XXXX for XXXX. When I attempted to make an online purchase with the card, the purchase was declined. I logon to the website used to check the balance of the card and the balance reads XXXX, with a charge from XXXX in amount of XXXX, zeroing out the balance of the card. I contacted XXXX customer service and they said they would email me a dispute packet that I should return to them after filling it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A bankruptcy chapter XXXX was filed and discharged sinceXX/XX/XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, asXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: CA

Complaint narrative:
A bankruptcy chapter XXXX was filed and discharged since XXXX XXXX XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: GA

Complaint narrative:
I have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.

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 2017-12-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried several times to get the 3 credit bureau 's to get a bankruptcy off of my credit report, to no avail. I 've also tried to get XXXX XXXX updated on all three reports because it 's being reported incorrectly. XXXX is being reported twice as a primary and as a co-signer. I am the only signer on that loan and it was included in the bankruptcy.

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 2017-12-27 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from 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 2017-12-27 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: Global Lending Services LLC
State: CA

Complaint narrative:
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from 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 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I called to increase the limit for a withdrawal out of my Coinbase account from XXXX to XXXX. A person answered and helped to assist me. 

I just noticed that instead of assisting me he stole XXXX XXXX {$9800.00} from my account. 

He initially said he was initiating withdrawal to my bank and I had XXXX XXXX XXXX account and to expect the money shortly. I had no reason to doubt that I was being conned or scammed. 

He disconnected the phone call around XXXX and never answered again. 

His phone number is ( XXXX ) XXXX and he went by the name of XXXX XXXX. 

His location is in XXXX NY Coinbase California, XXXX XXXX, United States XXXX XXXX United States of America California XXXX XXXXXXXXXXXX wwww.coinbase.com Are there any other witnesses or victims to this incident? 
XXXX XXXX XXXX representative was on the phone during the conversation on a 3 way call If you have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
XXXX Police here in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from 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 2017-12-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. i call equifax office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to equifax that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against equifax thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
On the XX/XX/XXXX i sold a part of my bitcoin capital to Coinbase ( https : //www.coinbase.com ). Coinbase has something called a 'EUR wallet ' which is something where your funds go to after selling. This happens instantly and after that you can withdraw the funds to your local bank account. It also works the other way around : you can send funds to the 'EUR wallet ' and after the deposit ( which takes 'x ' days like the withdraws ) it appears in your 'EUR wallet ', then you can buy bitcoins,  litecoins  or etherium with it. Now, what i had was XXXX euro in my EUR wallet. With transaction fee included it 's XXXX euro. On the XX/XX/XXXX my bank account was verified by Coinbase so i decided to transfer the full XXXX to my bank account. The transaction was confirmed and got an e-mail that funds will be send and will be received on the XX/XX/XXXX. A few days later the message appears on the Coinbase website that i could take up to 5 more business days for a transaction to appear in your bank account. That 's not a problem and i fully understood it because the selling volume went through the roof. On their site they say it will take up to 2 business days to transfer the money with a SEPA transaction, but if we add up the extra 5 days it equals to 7 days. If i submitted my withdraw on the XX/XX/XXXX and add 7 days to that we find that the XX/XX/XXXX should be the glorious day of the money coming into my bank account. However, today we are the XXXX ( day this was written ) and yet nothing has changed. The transaction status is still pending and if i check other forums i find other people with the same problem as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ny XXXX. i call XXXX office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to XXXX that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against XXXX thank you

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 2017-12-27 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 with product or service terms changing
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
my name is XXXX XXXX my social security number is XXXX my membership with XXXX XXXX XXXX is XXXX and my date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX i have XXXX XXXX in which i get a free credit score every month. my complaint is that theirs a system problem on my membership, when i see my credit score summary it keeps telling me that i have an account that 30 days late indicator but when i look at my credit report from experian or talk to a live rep in experian disputes department at consumer affairs department they tell me that theirs no negitive information on my credit report. i also address this to membership coustomer service several time along with experian consumer affairs department that their a problem with my XXXX XXXX membership number XXXX that every time i look at the summary of whats affecting my credit score it keeps giving me wrong information that i have an account thats past due. but when i look at my credit report it dosnet show any negitive account on file. also when other creditor putll my report through experian it also shows on their end that i have a past due account, then i have to have the creditor look at my creit report manully with out the score summary and they relized that they made a error and mannaully approve my appilcation, please take action against experian XXXX XXXX for damages, reason is that they havent fix the problem in their XXXX XXXX data base along with their core data base by removing that negitive indicator that show on my credit report in the XXXX XXXX  data base, im geting the run around with this XXXX XXXX XXXX  customer service tells me that experian disputes department consumer affair has to correct their data core main base that send the information to XXXX XXXX data base. but that not the case here, then when i call the other department at XXXX XXXX im going in circles here. this is affecting me when i appiled for credt, because when other companies pull my experian credit report it keeps telling them that i have negitive account, but i dont have any negitive account on file, and i should not have any at all. so please take action and have experian remove that negitive indicator thats showing in my score advantage summuray and XXXX XXXX summary too.

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Sky Blue Financial Services, Inc.
State: CA

Complaint narrative:
Ordered their basic service and was not supposed to be billed until 6 days later but was charged immediately. Can celled and have not received a refund Ordered their basic level of service at {$59.00} on XX/XX/17. Was also made to pay {$15.00} to their credit report service that they insisted they needed to do their job, but is another company. My card was not supposed to be charged for 6 days from the date of account creation yet I was charged immediately where upon I informed them that I wanted to cancel and get a refund as they did not follow through with their promised action. To date I am still waiting for my money back. I have called them and they claim it is the bank holding my money in a pre-authorization state. The bank claims it is them and that it would fall off after a week yet it has now been over two weeks.I also called and cancelled the credit reporting service that was a mandatory purchase for their service yet is a separate company.I plan to continue calling both parties- the bank and sky blue but judging by their actions so far it would appear like they have better interests than giving me my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have made a transfer of XXXX on the XX/XX/XXXX. I contacted coinbase via phone no response, via email which they replied saying they have seen the problem and will resolve this however this has not happened. Its been exactly 20 days with no help. I would like my money back or for the money to be transferred ASAP! Thiis very bad customer service and I am extremely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: LA

Complaint narrative:
my credit limit was once XXXX dollars. i have been paying on my card for a long time. i think pentagon closed my card improperly and did not notify me properly to get legal representation in my matters. I do n't think my account should have been closed for late payments and i have been paying on the card for over 10 years and it should be reopened without having to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records i am unable to find any documentations of any contractual relationship between name of company and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim against me. In the event you continue your collection without any proof of contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract you must cease and dismissed any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney without providing proof of contract, he will be immediately reported to the state bar association and professional liability found for code of ethics violations. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Creditrepair.com, Inc.
State: LA

Complaint narrative:
i was told that credit repair would be able to remove all of my negative items within 9 month and it has been much longer than that. i was not told i had to get stuff notarized in the beginning of me joining.

Company response to consumer: Closed with monetary relief