vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-15 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: UT

Complaint narrative:
In XXXX and XXXX XXXX XXXX XXXX were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXX XXXX  aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act

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 2022-11-15 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: UT

Complaint narrative:
In XXXX and XXXX XXXX  XXXX bankruptcies were filed by online scam companies in an attempt to save my house from foreclosure while under modification with XXXX XXXX  aka XXXX XXXX. All three bankruptcies were dismissed XXXX of the bankruptcies was reported as a XXXX  XXXX which is incorrect and also was dismissed I have contacted the bankruptcy court they indicate they do not report to credit bureaus I had disputed these items with the credit bureaus multiple times I have not been given any proof of verification, these are third-party public information they are making it difficult for my business and personal credit and are a violation of the Fair Credit Reporting Act

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 2022-11-15 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: CT

Complaint narrative:
I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..

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 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I have been severely financially impacted as a result of Coinbase refusing to return the {$30000.00} XXXX tokens to me. On several occasions I have shared my frustration with Coinbase customer service only to be denied my request for a refund. They convey XXXX empathy or compassion for my situation for such a large organization. Coinbase has the ability to return the {$30000.00} which is currently sitting in XXXX. I've even offered to pay a fee for the return only to be once again denied.I am very disappointed in Coinbase 's response to the inquiry which will only discourage other customers from conducting business with them including myself. Unfortunately, I'm not the only victim for a case like this as many other people have experienced the same problem with XXXX resolution from Coinbase. It breaks my XXXX that I don't have this money as it was going to be used for a downpayment on a house for my family. Now we're stuck in this tiny apartment until we can build up enough funds to purchase a home. Please help me as we have all suffered from this misfortune from Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, RE : Inaccurate and Unverified accounts Account name : XXXX XXXX  Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status after investigation : Charge-off Account name : XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Paid, XXXX balance Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX. XXXX, XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX  Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( XXXX XXXX XXXX Sec. XXXX ( b ) ). 

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : XXXX. State what the money you say I owe is for. 
XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. How is a closed collection account past due? This is a violation of the FCRA! 
********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Commencing around XX/XX/2022, I fell victim to a multi-layered scam operation run by a fake Law Enforcement Officer which involved me making deposits for a total amount of XXXX USD from my Bank of America account to the fraudster.

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 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX Section XXXX A. States I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crime which antedates the report by more than seven years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 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: DE

Complaint narrative:
The company did not provide an explanation for the limitation of my account, limiting itself to referring to the user agreement. She could not answer what actions I had taken could have caused such a decision. Therefore, I believe that this company did not respond to my claim. 
PayPal executive office rely to " high level of risk associated with your Account ''. However : XXXX. My account got only 19 completed orders on this account. 
XXXX. I got 0 complaints for all the time that I use this account. All my customers were happy. 
XXXX. On my previous account I had a XXXX of completed orders. I passed all checks from PayPal and my business wasn't " high risked ''. I didn't change my business since that. 
XXXX. I consulted with PayPal support about my account and actions and there was no problem with my account or anything. 

I'm not sure that PayPal even tried to check the problem closely because they didn't asked me for any documents or proves of fulfilment of my orders. 
I am happy to contribute to PayPal, but they do not give me a single opportunity to exonerate myself. Also they don't give any reasonable explanation for blocking my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Harley Davidson Financial Services Inc
State: NC

Complaint narrative:
I purchased a new Harley Davidson motorcycle in XX/XX/XXXX. During the loan, on separate occasions, I have to seek a forbearance for XXXX payments that were to be rolled to the end of the loan. This moved my expected pay off from XX/XX/XXXX, to XX/XX/XXXX. I receive XXXX calls per day from Harley Davidson Financial services on my cell phone regarding payments. This has been occurring for the last 6 months. I have requested a payment history, but the company refuses to provide one. The company states I still owe over {$9000.00} towards the principal on the loan. I only financed {$17000.00} at the start of the loan and my payments are {$360.00} per month. After 6 years of payments, the company is claiming that my balance has only decreased roughly {$8000.00}, although Ive paid over {$26000.00} in payments. By their numbers, it would add another XXXX years of payments onto an already 7 year finance period. This can not be accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SD

Complaint narrative:
LVNV Funding LLC, would see to be buying old debt and then re-dating it years ahead and charging interest well after debt has been delinquent. My account was for {$300.00} line of credit with XXXX XXXX XXXX, it went delinquent with a balance of {$370.00} on XXXX XXXX, XXXX. When LVNV Funding bought my account the delinquency date became XX/XX/XXXX and balance kept increasing to an oddly exact {$900.00} balance now. When i try accessing my account to see the accuracy of the balance and accounting i get a message that reads, - " This account is unavailable to view online at this time. Due to the current status of this account, we are unable to show information at this time. We apologize for that inconvenience. You may want to try again at a later time. '' -Ive tried again and again for months now. Tried contacting the service department where they could access my account and see and tell me the balance, said i could pay over the phone or set up a payment plan by phone. I told them i would like to see my full balance, they could send me an accounting of my balance or allow me to access the account online and i would consider making payment. They said since i had requested they not contact me at an early date, they could not send me paper work without me opting in on my online account. After going around in a circle with clueless phone operators for an hour asking " how can i opt in on my online account if i cant access my online account '' then being transferred to another department where they tell me we cant give you access to your online account until you've made a payment and have an account in standing order then we can reinstate your access to the account. I got fed up and came here. It would seem there has to be something criminal at play here and reading around I am not the only one to experience this type of runaround from this company. you'll find very few people who have had a good seemingly legal interaction with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am a XXXX patient and I had to send money ( {$70.00} ) for medication to my cousin, XXXX XXXX XXXX XXXX in New Jersey. Her number is XXXX. While sending the money via Zelle XXXX, I made mistake and typed XXXX and the money went to XXXX XXXX XXXX XXXX who lives in New York. 
I immediately called him and told about the error. He talked to his bank ( XXXX XXXX  ) and asked me to retrieve the money via my bank XXXX XXXX  XXXX XXXX ). 
I filed a claim and waited for 45 days and my claim was denied. My bank is asking me to contact the recipient and demand my money. I contacted him multiple times via text, even left phone messages but he does not respond. 
XXXX  XXXX XXXX says Zelle is a third party while the truth is they own it jointly with XXXX XXXX  and some other banks. I have spent hours making calls and visiting the bank but no one is willing to help. They do {$75.00} XXXX  business through Zelle only but do not care for my loss of {$70.00}. 
Please find attached 1- the proof of transaction, 2- proof of my text message with the un-cooperating recipient, 3-Bank 's denial of claim letter. Please help! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SD

Complaint narrative:
I have spoken with the collection company multiple times that this debt does not being to me. It is a result of a work injury, they told me I had no choice but to pay the debt, I have been fighting with work comp. They should pay the debt, since this has happened they have garnished me back Account twice. I am working with the department of labor to get things straigened out with work comp.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, # XXXX has violated my rights. 

15 U.S. C 1681 Section 602 A. States, I have the right to privacy 15 U.S. C 1681 Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-11-15 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: IN

Complaint narrative:
I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER

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 2022-11-15 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: IN

Complaint narrative:
I HAVE TRIED TO SUBMIT THESE PREVIOUSLY TO THE CREDIT BUREAUS BUT HAVE NOT RECEIVED ANY RESPONSE SO I AM RESUBMITTING THESE NOW. I BELIEVE I HAVE RIGHTS TO RECEIVE FAIR TREATMENT AS A CONSUMER

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I had a wells fargo home improvement credit card. The card gave no interest payments till XXXX of XXXX, my understanding was as far as i paid the balance by XX/XX/XXXX the interest payment would be waived. I make all my payments wells fargo mortgage and credit cards, also this home improvement payment on their website. The website page NEVER indicated that {$4000.00} would be charged to me on XX/XX/XXXX. This was in the FINEPRINT but not on the website page where i make my payments each month. To my surprise my balance had gone up by {$4000.00} on XX/XX/XXXX. I called wells fargo customer service and stated to them why they did not warn me about the increase on the WEBSITE WHERE I MAKE MY PAYMENTS. This needs to be fixed. Consumers need a warning on their wells fargo website before they add a huge bulk on interest payments. 
I have called wells fargo after i saw the increase and they did not help me. I never got a call back from anyone, but my balance is still the same. I called again today XX/XX/XXXX and they said the interest can not be taken off since it was on the statements. 

Please make sure that wells fargo adds a warning on their web page a warning before they dump in interest payments specially on an advertised promotion. Please remove my {$4000.00} interest payment and i will send the full amount i owe them as of XXXX XXXX you can reach me at 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 explanation
Consumer complaint received 2022-11-15 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: UT

Complaint narrative:
I have recently contacted XXXX, XXXX, XXXX, and Experian. 

I recently had a XXXX XXXX XXXXXXXX because I am totally and XXXX XXXXXXXX. 

Experian and XXXX has this loan as XXXX. That's good. 

My question, and problem, is that they keep reporting late payments from about XXXX  years ago. I'm XXXX, have XXXX XXXX XXXXXXXX XXXX, as well as other XXXX XXXX XXXX  and it will do no good for me to have the loan XXXX and carry the late payments, which are under dispute. I say under dispute because I received a forbearance or deferment during those times, my income never went up, and thus should've been in forebearance or deferment. That is proveable as I get income from social security and retirement. 

Besides that, each of the XXXX entities above claim that the other is the one to delete the " late payments. '' So who would be responsible for doing that and who does what next? 

This is very troubling and confusing. You simply can not get Experian on the phone... they've set their phone menu up to direct you to their website in EVERY CASE. 

XXXX is so busy that in practicality you can't reach them. 

Only XXXX can be reached on the phone. Otherwise I send messages and they refer to the other party. Now tell me that this isn't a common occurence. People need to know the solution to it, rather than wringing their hands. 

I'd like to get this resolved before I die ... surely my last words wouldn't be that I had late payments on this initial {$15000.00} student loan, that was supposed to be taken off after teacher service at a low income school. This loan was taken out 35 years ago, and I've suffered enough, with a balance of over {$200000.00} until recently. 

So, which entity starts the process? Who finalizes it? Please help.

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