vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-18 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: EQUIFAX, INC.
State: OH

Complaint narrative:
i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX? I AM NOT SURE IF IT WAS ANOTHER XXXX XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: OH

Complaint narrative:
i HAVE SOME REPEAT INQUIRES ON MY CREDIT REPORT WITH ACCOUNTS I NEVER APPLIED FOR! THERE IS A XXXX  XXXX, XXXX XXXX, XXXX SMALL BUSINESS? I AM NOT SURE IF IT WAS ANOTHER XXXX   XXXX BEING CONFUSED WITH ME OR SOMEONE USING MY PERSONAL INFORMATION. PLEASE FORWARD ME A COPY OF ANY APPLICATION RECORDS ON FILE THESE ARE UNAUTHORIZED INQUIRIES.

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 2019-05-18 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: FACTUAL DATA CORP.
State: OH

Complaint narrative:
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: CORELOGIC INC
State: OH

Complaint narrative:
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XX/XX/XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH 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 2019-05-18 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: ID Analytics, Inc.
State: OH

Complaint narrative:
I have been looking into my credit report and I found a few errors with addresses on my file that are not mine, it is possible that they belong to a family member or a Ex spouse.My name XXXX XXXX XXXX please remove any other name. My SS XXXX my DOB is XXXX XXXX. The following addresses are not mines please remove/delete : XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
On XX/XX/2013 Midland Funding LLC as assignee of XXXX XXXX XXXX ( USA  ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX , XXXX ) .They misrepresented contact information to the State of XXXX XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in XXXX and ( 2 ) My last known address was ( XXXX, XXXX ). 

Midland Funding LLC as Assignee of XXXX XXXX XXXX ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the XXXX XXXX collection is a 20 year old collection account ) .The mere fact that the debt with XXXX  XXXX XXXX ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception and by fraudulent means. All monies Midland Funding is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places Midland Funding and XXXX XXXX XXXX violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 5 ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.

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 2019-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
I need to update a payment arrangement I made in the amount of XXXX, not including late charges which total around XXXX, I believe. Payments are scheduled to post on XX/XX/XXXX in the amounts of XXXX and XXXX via XXXX bill pay, another payment will be made on XX/XX/XXXX in the amount of XXXX, I believe this covers the month of XXXX and part of XXXX. I will work on getting remainder of XXXX payment by second week of XXXX, by the XXXX. I do not know about XXXX 's payment.. Currently, I do not have a phone to call to adjust this payment arrangement, it was noted by a manager in collections prior, that rep replied to last complaint I made. Also, I need to know when account is eligible for another extension/deferral, I believe the last one was several months ago. Please note, the reason for adjustment to arrangement is due to a property tax bill on the vehicle in the amount of XXXX, which needs to be paid as it will prevent vehicle from registration renewal. In Connecticut, you are not allowed to register your vehicle if a property tax bill is due on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 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: MO

Complaint narrative:
I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2  ) XXXX  XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XX/XX/2016 4 ) U.S Dept of ED Direct XXXX XXXX XXXX ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 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: MO

Complaint narrative:
I'm disputing the following accounts on the pure bases of my identity being compromised years ago but the aftermath is the unknown and unauthorized accounts reporting on my credit files, data that's obviously not mines. I would like to see what all documents that was used to open these accounts, or please remove the following accounts. 

1 ) US Dept of Education XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX XXXX XX/XX/XXXX 4 ) U.S Dept of ED Direct XX/XX/XXXX XX/XX/XXXX 5 ) Chapter XXXX Bankruptcy These accounts are stopping me from obtaining my true credit report data files.

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 2019-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I opened an American Express Gold  Card at XX/XX/2019 with the welcome offers, including XXXX points after spending {$2000.00} in three months and 20 % dining cash back up to {$100.00}. When I opened the card, I did not receive any pop-up message from the AMEX saying that I was not eligible to this welcome offer. 

However, after completing the spending requirement, i did not receive the promised welcome bonus. I contacted with AMEX customer service and got the response that " I am not eligible for the AMEX Gold welcome offer, because i got a XXXX Card in XXXX and received the bonus on that XXXX Card. '' I didn't see the connection between the old card and the new card. I had accomplished all requirements for the XXXX card and did not close it. 

I should got the promised bonus for the AMEX gold  card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
My Paypal account was closed sometime last year and I need a statement from Paypal showing the exact date it was closed by them and if the account was ever linked in anyway shape or form to another Paypal account, email is XXXX. I need this information in a PDF file format, it is needed for an ongoing dispute I have with XXXX XXXX.. Their rep stated my account was linked to that email which I do not believe it ever was and how they would get such information since it is private and not something they could obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. Please Remove the following : XXXX {$5100.00} XXXX XXXX   {$3300.00} XXXX XXXX XXXX {$120000.00}

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 2019-05-18 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:
On XX/XX/XXXX, I was informed by my loan agent there there was numerous negative accounts on my credit files. I immediately opened up a monitoring service to view my credit file up until now i had no use for any as I rarely use my credit at all and often reside in XXXX much of the year. Upon viewing the authorized accounts on my credit file dating back several years, I immediately contacted the local authorities to begin procedures to protect myself from further harm. I am now following the guidance given to me per the local authorities and contacting each of the credit bureaus and creditors also I am filing with the State Attorney General, FTC, And CFPB. Please Remove the following : XXXX {$5100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX {$120000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I initiated an ACH transfer to Coinbase since my only given was the ACH. 
I purchased XXXX dollars so I can exchange it to digital currency. 
After the purchase according to the agreement the funds to be ready within 3-5 days and after were cleared and in the history section it will show complete in green. 
I then waited and then when I checked my account the statement stated the transaction was complete. When I went to send the money out much to my surprise my account was a XXXX balance available to move. And I had a waiting period of 17 days before I can move or send money. 
This was not disclosed otherwise I would never have done it. 
I opened my account I went through various steps of identification. They validated my bank and debit card digitly and then I had to wait due to making sure than they were protecting me from fraud. I have a question if money was ached and then cleared there is no reason to protect my currency. Everything went fine. After much research i found out this happens to many many clients. Some never get their monies back. This is a scam and as a US based company it is a shame and a crime to nor have full transparency and disclosure policies.. The coustumer service is not helpful. Email goes to a deaf ear. It always is the same response to go and see question and answer pages. The company does not specify the holding time. Till your purchase is complete then it shows that your funds will be on hold for certain days. 
They claim during the purchase it show the waiting but that is a lie and a misleading statement they try to confuse you and they do a great job. After all they have been practicing this unethical act for years. 
I want accountability. They need be forth coming with their policies. They may not publish a partial part of their polices and expect us to read between the line. I have XXXX dollars as of now and it will fluctuate on the next few days. 
Their terms should be visible requiring a digital signature and then maybe the consumer will choose not to sign up. They state that the personal information is not shared. Another lie. They track your spending which is a violation This is a platform only that states the owner of the account has complete power over their wallet. 
Then why is my urgency held hostage? I like to see companies to take accountability and the greed not to take over. 
My research of various sites such as FTc has indicated that this is done to gain interest while holding the currency. So if you are going to take money from me at least admit it and take accountability and donr act life a coward all my 12 plus emails have gone to deaf ears. They do not give you a choice but the ACH which they know they can hold the funds this is unethical/ criminal and needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PHH Mortgage Services Corporation
State: MS

Complaint narrative:
In XXXX XXXX of XXXX, an amount of {$1500.00} was added to the payoff amount of my mortgage. I was not notified of why these additional charges were made. In XX/XX/XXXX, I received late fee notice of {$510.00} to my now transferred account. These fees are overcharged amounts for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: MS

Complaint narrative:
In XXXX XXXX of XXXX, an amount of {$1500.00} was added to the payoff amount of my mortgage. I was not notified of why these additional charges were made. In XX/XX/XXXX, I received late fee notice of {$510.00} to my now transferred account. These fees are overcharged amounts for late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2013 XXXX XXXX XXXX as assignee of Capital One Bank ( USA ) wrongfully received a judgment ( $ XXXX ) against me in a state that I do not live in ( XXXX XXXX XXXX Michigan ) .They misrepresented contact information to the State of Michigan XXXX Judicial District Judicial Circuit , they stated that they had served me with a writ ( in person ) and also delivered a copy of said writ to my last known address by first - class mail.The above statements are false based upon the following Facts : ( 1 ) it's been 30+ years since I lived in Michigan and ( 2 ) My last known address was ( XXXX, Ohio ). 

XXXX XXXX XXXX as Assignee of Capital One Bank ( USA ) is also misrepresenting the actual dollar amounts they are seeking and the actual date/year the account was open/closed and sent to collection ( the Capital One collection is a 20 year old collection account ) .The mere fact that the debt with Capital One Bank ( USA ) has for quite some time exceed all states statute of limitation laws ( 6-10 yrs. ) means that the above debt is time-barred per my state and any other state statute of limitations.Therefore the request and writ for garnishment ( Periodic ) was obtained through deception  and by fraudulent means. All monies XXXX XXXX is receiving through the illegally obtain writ are being obtained through deception and wrongfully, due to the fact that they sued me after the statute of limitations had long expired, which places XXXX XXXX and Capital One Bank violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
Simple by BBVA is removing Bill Pay. As an online only bank this will cause great stress on customers to be able to pay bills electronically initiated by the bank. Many if not most banks have a bill pay service, it allows their customers to make payments to many billers from a single location. 

Simple has had this Bill Pay service for a long time and removing it will leave many unable to pay their billers who may charge for initiating it from the biller side or they require a physically mailed check. Now Simple has started allowing checks to be written against the account, which was not possible before, but this will add burden and confusion to customers who have not done this prior. 

Simple Bill Pay system is unique in the sense that once the transaction posts to the account a customer can add notes for tracking, spending from a goal/expense or categorize. All these things are built around Simples integrated website and budgeting tools. Removing Bill Pay creates a gap where customers can no longer see all in one place all the funds that will be leaving. Instead now it would be up to each biller when to pull the funds.

Company response to consumer: Closed with explanation