vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
No actions were taken n any of them, amountso roughly about {$22000.00}. Dates r as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/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 2017-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Approximately 6 years ago, I was going through a divorce after being a XXXX for 16 years. Having XXXX children in college and desperately needing money, I accepted a credit card from Wells Fargo. Sadly, I used to pay bills which led to me reaching my max amount very quickly. Everything was fine until I missed a payment and my minimum amount was increased to a point where I could n't afford to pay it anymore. I tried calling to make different payment arrangements and was told " use your tax refund to pay us ''. I have struggled so much financially and emotionally over the past several years and they only made everything worst. Now they sued me, put a lien on my house, and are garnishing my wages even when I do n't even make enough to pay my bills. I feel Wells Fargo targets people like me who are vulnerable and desperate. They knew I no income and still issued me a card knowing that owned a home. They took advantage of my situation based on the information they have about the equity in my house ( they are my mortgage company. I hold my self responsible, but I also want something to be done to prevent other people from going through suffering an experience like this. Wells Fargo should not issue credits cards to people who are not employed knowing that they can after their property.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Hi, I was working with Navient on my private student loans. net over documentation several times to them uploading through their portal and sending via email ( at least 5 times ). Each time, they claim non receipt. All while this is going, they told me that my account is being place in forbearance and there would not be a payment as they are reviewing the documents and setting up my payment plan. I kept calling only to get wither your paperwork was not received again or it is with the VP for review during his monthly review of accounts, however, have no worries as they will accept the payment arrangements we have established. Long of short, I called after my credit report showed 90 days late. Today it is showing 120 days delayed. This is inaccurate as I have paid monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I submitted a wire transfer in the amount of {$5000.00} on the morning of XXXX/XXXX/XXXX from my bank ( XXXX XXXX ) to Coinbase, Inc. ( XXXX Account ) Coinbase, Inc XXXX XXXX XXXX, # XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXXXXXXXXXX I followed the wire transfer instructions exactly as outlined on the CoinbaseXXXXXXXX website, however, it is now the evening of XXXX/XXXX/XXXX and Coinbase has yet to credit my account with my wire transfer. XXXXXXXX XXXX lists the wire as " Completed '' and provided the following reference and XXXX numbers : ONLINE WIRE TRANSFER VIA : XXXX XXXX XXXX : COINBASE, INC XXXX XXXX CA XXXX XXXX REF : XXXX XXXX : XXXX TRN : XXXX XXXX OUTGOING WIRE TRANSFER - {$5000.00} Both XXXX and Coinbase state the wire transfer will be completed and posted to your account withing the same business day if completed by XXXX EST. It has now been 3 business days. I have e-mailed CoinbaseXXXX support multiple times and have only received automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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:
In XXXX of XXXX I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX  paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of XXXX XXXX California Sheriff 's  department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. Experian, XXXX and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
This collection company is but a multiple number of agencies used by Pendrick Capital Partners llc to  collect an alleged debt that is very old based of the letters and credit reports I have. This complaint is related to this company and this complaint. XXXX here on cfpb Consumerfinance.org This written letter should also serve as notice I dispute this alleged debt in its entirety. I am disputing this debt to XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX. I wish not to be contacted by phone at any phone number, as phone conversations are very inconvenient for me. I wish only to be contacted by letter. Pendrick Capital Partners has been notified through their agents of my verification requests and my desire to have no contact by telephone. I believe their bouncing of this alleged debt to multiple agencies is their way of skirting their requirements of validation and requirements to cease phone contact. All information provided to me so far has been nothing I can use to verify I owe anyone a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is basically a continuation of my CFPB case number XXXX I will attach the letter of the outcome and the problem with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: CA

Complaint narrative:
Over 30 days ago I wrote to your institution advising you of negative account information on my credit report which was flat out incorrect and erroneous. I researched the information and after not having the creditors able to validate any of it, I only then reached out to you by mail to get these items removed. Much to my disbelief you claimed that these items were largely valid and would remain on my credit report. The same creditors you claim to have contacted are unable to verify the accuracy of the account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I ordered the XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. This item was delivered and assembled to my home by XXXX ( XXXX, XXXX ) on XX/XX/XXXX. I  contacted the return service XXXX XXXX XXXX XXXX to schedule a return of the equipment because I was not happy with the device. XXXX emailed me back on XX/XX/XXXX and quickly arranged for equipment disassemble and pickup from my home which occurred on XX/XX/XXXX ; this was within the 30-day return window. Since that time Fortiva has harassed me daily to pay for the equipment, they refuse to let me speak with a manager or supervisor, and now they have begun  to destroy my credit. Product_Or_Service : XXXX XXXX XXXX XXXX XXXX Order_Number : XXXX Total {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank uses a very deceptive way of determining when overdraft fees will be charged or not. The app and website will indicate that your balance is a positive value because certain charges have n't posted or cleared fully. The bank will allow you to continue using your card, even if you have the overdraft protection feature in place to prevent this from happening. Then, out of the blue your account will have a negative balance. US Bank 's policy is that if your account is negative, you have until XXXX that evening to replenish the account back to a positive value to avoid the overdraft fee. However if the account became negative on a date in the past, and it is n't reflected on your account balance until 4 days later, that does n't actually allow you to replenish your account back to above XXXX, because it will use the date the account was charged, rather than the date the account appeared negative on your account website. This is a very deceptive because you will think your account has a positive balance, then out of the blue one day it will be negative, so when you try to replenish it or make a transfer from another account within the business day, it wo n't count because it actually went negative days before without you knowing. This problematic strategy also comes unfairly into play for checks clearing. Per US Bank policy, you have until XXXX of that night to replenish a negative balance to avoid an overdraft. That means if a check is cashed from your account at XXXX XXXX, you have five minutes to issue a transfer or replenish your account to avoid the overdraft fee. If the check is cashed at XXXX XXXX, you have the entire day to accomplish the same task. How am I to know that US bank does n't even post check until late in the evening to purposefully incur charges that its customers wouldnt see if they were asleep, for instance because the account was brought below XXXX late in the night but right before XXXX. Extremely unfair

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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:
In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, Transunion and XXXX use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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:
In XXXX of 2000 I was a client of XXXX XXXX of XXXX a subsidiary of XXXX XXXX. Myself along with approximately twenty other clients had their social security number and all other personal information stolen from XXXX XXXX of XXXX. XXXX XXXX paid for a service to help remove all of the incorrect information but none of the incorrect information was removed. In XXXX of 2000 XXXX California Sheriff 's department seized a storage locker that contained names on this list along with a locker full of stolen property. For the last 17 years I have tried to correct my credit report with no luck. XXXX, XXXX and Equifax use their incorrect information as security questions to log onto their websites. I do n't believe you can contact these companies by phone if you are not a bank. When I have used the mail and submitted their paperwork to remove incorrect information I have had no luck. I am the main earner in our house hold and we where forced to purchase a house in my wife 's name due to this incorrect information. It is frustrating because this information was stolen from a bank and they pay for this service that can create so many problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: CA

Complaint narrative:
For the last month I have been trying desperately to get this company to correct my credit report. The file they have on me is ridden with faulty information and I have written to them to no avail. My last letter to them yielded no movement or corrections even though none of the data providers seem to have been contacted by the bureaus when Ive called these data furnishers to verify contact.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 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: TX

Complaint narrative:
My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, XXXX and Transunion. Two of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. My social security number is XXXX, I have disputed XXXX items on the following credit reports : XXXX, Equifax and XXXX. XXXXwo of the five were deleted. XXXX XXXX account number XXXX, XXXX account number XXXX, and XXXX XXXX account number XXXX remained. Since XXXX of 2017, I have repeatedly contacted the aforementioned companies and asked for proof that these accounts belonged to me. Neither of these companies provided me with evidence these accounts belonged to me or how they determined these were indeed my accounts. After not receiving proof that these accounts belonged to me I requested that the erroneous entries be deleted. Neither of these credit bureaus deleted these derogatory entries. Furthermore they never stated how these references were verified. I can only conclude that these credit bureaus are refusing to obey the Fair Credit Reporting Act, which states that all entries must be accurate and verifiable. If I ever signed a retail contract with these subscribers, copies should be provided as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
On XXXX XXXX 2017, this company received a letter requesting validation where I asked them either provide me with proof of my liability in the form of a contractual agreement that I agreed to for the debt or delete the item from the credit report. They ignored this request and at the same time verified the account with the credit bureaus as a valid account and continued to report this frivolous account on my credit report. This is a violation of both the FCRA and FDCPA Sec 809

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
this company National Credit System is reporting on my credit for a debt I do not owe I have sent them paper work along with my ID with my name and dob that do not match what they are reporting on my credit file and they are still reporting on my credit report for {$360.00}. I have also tried contacted the original company who is no longer existing National Credit System can not provider proof that this debt is mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hard credit pulls done by several companies without my written authorization that are showing up as inquiries on my credit report and affecting my creditworthiness in a negative way. From TransUnion report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX Credit bureaus were notified but refused to remove these hard inquiries on my report claiming there is no need for verbal or written consent for companies to perform a hard credit pull, while being crafty with their responses.

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