vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Receivable Solutions
State: TX

Complaint narrative:
I was a member of XXXX XXXX for a few years, in XX/XX/XXXX I had to cancel my credit card due to fraud. My XXXX XXXX fee was autocredited, they had contacted me and we worked this out. I cancelled my membership in late XX/XX/XXXX and had not heard anything from them in writing, by phone and email. All of the sudden in XX/XX/XXXX I am getting emails from XXXX XXXX of Professional Receival Solutions, then he also contacted my father. I called him and he continued to give me personal information that he should not know but told me he has " skip tracing '' and this is how they found my father and personal information about me. I asked him to give me the information XXXX XXXX sent them and he would not, he also told me that if I contacted XXXX XXXX they would not speak to me. Then I received an email from him with threats. I am very upset about this situation as I handled this issue and never heard another word and now 3 years later he is threatening me and telling me to find information from 3 years ago? I would at least expect to see the information from the debt collector showing I did not take care of my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
During the XXXX XXXX my tenants left without notice, I called the bank and I asked for a repayment plant for the month of XX/XX/XXXX, I was not late when I called. The suppose to give a repayment plan without affecting my credit but they lied not only that they charged me for a fee that I didnt agreed upon. I called several times XXXX I kept receiving these late fees letters and everytime I called I was told the repayment plan will take care of it that I wasnt being charged form them. I made my last payment in XX/XX/XXXX. My credit score went down 31 points thats when I found out they reported late payments. Im very disappointed, I complaint and they suppose to start an investigation but apparently that was never done. They are cheaters and liers they dont have a good customer service most of them dont know even simple math. They need to be investigated they dont even seem a serious bank. My loan was sold to them by my bank and at this point I cant even refinance with other bank because of the bad report. I havent been late with a mortgage payment in many years I believe they did this in porpoise because I threaten them with leaving the bank. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX, employee XXXX XXXX ( internet sales manager ) discriminated against me based off of my credit report/score. He told me nobody called me back ( in person in front of my face/spouse and minor child ) from XXXX XXXX ( after being promised a call back in XX/XX/2018 ) because my credit was bad, stating that nobody wanted to deal with me. After calling XXXX XXXX for three days I finally got someone XXXX on the line, who I told I would report his behavior and attitude to his General Manager while speaking to him on the phone, he then began to tell me he had good news that day ... I declined the deal, actually coming in today with a spouse to co sign. Keep in mind we never signed any documents to consent for the credit check which is concerning. XXXX went on to degrading me verbally the entire evening, constantly saying that my " bad credit '' was the reason nobody in the dealership called me back. He cursed all night long, even trying to force my spouse to agree to a contract she did not agree to. He even stated that he would not forward our application to Honda Financial unless we agreed to the service contract/GAP insurance, attempting to manipulate us to agree with his terms, constantly telling us Honda will deny a deal unless the extended warranty was opted in by us. 

XXXX repeatedly talked me down in front of my spouse, telling her that the extended warranty protected her from me because based on my credit I would default payments, damaging her credit, according to XXXX. He even told me to apply elsewhere, telling me to " go to your bank maybe they will approve you since you do not want the extended warranty added. '' Pre judging the joint application as if he was a legal licensed loan department representative. I am extremely offended and concerned with this behavior displayed tonight by this employee of XXXX XXXX XXXX XXXX, California. I do not understand why me and my spouse were discouraged from proceeding with having our information submitted to Honda Financial.  Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: MO

Complaint narrative:
I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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, Transunion ( XX/XX/XXXX ), XXXX  XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), and XXXX 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 2018-06-03 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: MO

Complaint narrative:
I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/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, XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: MO

Complaint narrative:
I have disputed the following fraudulent inquiries on my report a few times before in accordance with FCRA, all to no prevail. It is written within FCRA law that if such companies can not present physical documentation then the disputed items shall be forever removed. I have disputed the following and no one presented any physical verification but yet the 3 major credit bureaus still reported as being true. But still no physical evidence inwhich is in direct opposition of the law stated in FCRA. The following disputed inquiries are XXXX  (XX/XX/XXXX18 ), XXXX XXXX (XX/XX/XXXX-18 ), XXXX XXXX ( XX/XX/XXXX18 ), XXXX   XXXX  ( XX/XX/XXXX18 ), XXXX XXXX ( XX/XX/XXXX-18 ), XXXX ( XX/XX/XXXX18 ), XXXX XXXX XX/XX/XXXX-18 ), XXXX XXXX, XXXX (XX/XX/XXXX-18 ), XXXX XXXX XXXX XXXX  (XX/XX/XXXX18 ), XXXX XXXX ( XX/XX/XXXX-18 ), XXXX XXXX ( XX/XX/XXXX-18 ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX18 )

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 2018-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Dear sir Prompted by the surge in cryptocurrencies in end of XXXX, I registered on the website www.coinbase.com ( XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ) on XXXX XXXX with my email address XXXX and paid them in a few transactions- 1 ) EUR XXXX ( GBP XXXX ) on XXXX XXXX by bank transfer. This transfer was rejected by the Coinbase system and was returned to my bank account. ( GBP XXXX ). There was no reason given for this rejection, and I have lost XXXX ( GBP XXXX XXXX XXXX and XXXX pence only ) in  the process of currency conversion. 

2 ) XXXX ( GBP XXXX XXXX XXXX and XXXX XXXX pence only ) on XXXX XXXX ( using debit card ) to buy XXXX -This transaction was made on request of Coinbase customer care executive ( XXXX XXXX. XXXX XXXX ) to verify account, and I was told this will be refunded immediately. However, this amount has since been lost somewhere. 

3 ) XXXX ( GBP XXXX XXXX and XXXX only ) on XXXX XXXX ( using debit card ) to buy XXXX XXXX This transaction was made by the customer care official, when he took my debit card details on the pretext of refunding the first transaction. ( I didnot authorise this transaction, this money was stolen from my account ) This amount has also since been lost somewhere. 

4 ) XXXX10 on XXXX XXXX ( by bank transfer my from bank account ) This was a test transaction I made to ensure my account was still valid. 

So far, I have lost XXXX ( GBP XXXXXXXX XXXX XXXX only ) in fraudulent transactions and bank charges. 
In the process, I have so far purchased XXXX. However, I have no option to sell it back/convert to GBP. 

I wrote to Coinbase on XXXX XXXX, and I got an email from them on XXXX XXXX saying Unfortunately, due to the technical nature of most digital currency networks, it is impossible for us to reverse this payment and we are unable to provide any mediation with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX many emails and as you see they stopped responding. 

I CANT WITHDRAW.I HAVE TRIED ON 4 OCCASIONS AND THEY SEND ME THE SAME MSG. COINBASE FORCES ME TO UPLOAD AN ID, ( WHICH I CANT DO BECAUSE MY ACCOUNT IS CLOSED KEEP THAT IMPORTANT FACT IN MIND. ) SO HOW AM I SUPPOSED TO GET MY FUNDS. IM TRAPPED IN THAT LOOP????????????????????????????????????? THEY SAY I CAN WITHDRAW BUT I CANT WITHOUT AN ID ON FILE. SOOOOOOO????. IVE BEEN TRYING TO EXPLAIN THIS FOR 3 WEEKS BUT THEY WONT LISTEN. I DONT NEED DETAILS ABOUT THE CLOSURE I DONT CARE. WHAT I WANT IS TO KNOW IS HOW IM SUPPOSED TO WITHDRAW MY COIN IF IM TRAPPED IN A LOOP TELLING ME I HAVE TO UPLOAD AN ID ( WHICH I CANT DO BEING LOCKED OUT ) I DONT WANT TO AN EXPLANATION.I JUST WANT MY COIN. THIS SEEMS LIKE A VERY VERY FLAWED PRACTICE THAT NEEDS TO BE FIXED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: OK

Complaint narrative:
this debt just showed up on credit report i have no clue of this, im sure your aware of the laws fcra, and ftc opinion letter. first you need to give 30 day notice and my right to dispute said debt, so ill dispute this through this sight, i need an written agreement to pay this debt with my signature, an itemize statement is not validation, and i dont give my permision for you to get my medical records so getting itemized statement or any thing that has to do with my medical record like itemized statement or name address, released to you is a violation of hippa so contract or written agreement that bears my signature is what ill except.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: GA

Complaint narrative:
I have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX replied back to complaint XXXX file on XX/XX/XXXX back to the Consumer Financial Bureau by Company Responded saying on XX/XX/XXXX request to the credit bureaus for removal of any information concerning the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 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: GA

Complaint narrative:
I have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.

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 2018-06-03 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: GA

Complaint narrative:
I have repeatedly disputed several items on my report that are either not mine or inaccurate. This has been going on for almost 2 years now with no resolution. I have submitted documentation both by mail and fax on multiple occassions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I noticed on my credit report a trade line for portfolio recovery associates. It has a balance of {$5600.00} for a XXXX XXXX  account. On XX/XX/XXXX I sent a letter to portfolio requesting them to validate the debt. I asked for the date of the original delinquency and any other information including account statements so I may verify the debt. On XX/XX/XXXX I received a letter from portfolio all it stated was the charge off date along with I owed the amount shown above. It also said the account was from XXXX card. I do not believe I owe this debt. I have to XXXX card account showing as a closed trade line on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have been wrongfully charged overdraft fees from PNC Bank, and this is not the first time. I enclosed my latest checking account statement ( dated XX/XX/XXXX ) and numbered each line to help explain my complaint. 
Line : 1 & 2 -Two overdraft fees already posted for XX/XX/XXXX. ( Not Pending ). Balance before this debit {$520.00}. 
Line : 6 - Debit for {$22.00} dated XX/XX/XXXX. Deducted last instead of the debits occuring on XX/XX/XXXX. 
Line : 3, 4, & 5 - These three XX/XX/XXXX debits ( still pending XXXX should have been deducted from my account after the XX/XX/XXXX debit allowing for only one NSF fee. 

Calling PNC Bank was a waste of time. I explained the situation, however, I did not receive a legit answer or refund of my NSF for their mistake. This bank seems to look for reasons to charge these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
After reviewing my credit reports, there is a closed/charged-off account on my credit report with XXXX XXXX that has a debt of {$140.00}. I contacted XXXX XXXX on XX/XX/XXXX with the information provided on the report and they have no record of me having an account with them. They used both my social security number and the account listed on the credit reports, but was were able to located me as a customer or the account. I then submitted a dispute with Equifax on XX/XX/XXXX for the account, stating that the account does not belong to me. The account has not been removed my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, Transunion, XXXX, and XXXX XXXX via their customer service teams but they will not 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
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to Equifax, XXXX, XXXX, and XXXX XXXX via their customer service teams but they will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to XXXX, XXXX, Experian, and XXXX XXXX via their customer service teams but they will not 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
Consumer complaint received 2018-06-03 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: OH

Complaint narrative:
XXXX Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX   XX/XX/XXXX 3 ) XXXX XXXX XX/XX/XXXX 4 ) XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX   XXXX XXXX XX/XX/XXXX 11 ) XXXX  XX/XX/XXXX Equifax Unauthorized Inquiries ; 1 ) XXXX XX/XX/XXXX 2 ) XXXX XXXX XX/XX/XXXX 3 )  XXXX XXXX XXXX  XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX   XX/XX/XXXX 6 ) XXXX XXXX   XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XX/XX/XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX  XXXX, XXXX. XX/XX/XXXX 11 ) XXXX XXXX XXXX XX/XX/XXXX XXXX Unauthorized Inquiries ; 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 2 ) XXXX XXXX XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX XX/XX/XXXX 9 ) XXXX XX/XX/XXXX I have contacted each of these companies. Was informed by each that I needed to talk to credit bureau 's about removal. Sent letters to each of the 3 bureau 's by certified mail. To date nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ASTA FUNDING INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX of XXXX XXXX send a letter on XX/XX/XXXX to me and my employer. The letter said they want to collect the amount of {$2900.00} from my salary. The credit card with this bank was close in XXXX. I believe this is an unfair action and I am very disappoint because I never receive any letter prior from XXXX or the court letting know about any issues.

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 2018-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I submitted a complaint ( number assigned XXXX ) in refgards to unauthorized credit inquiry. I received an email from Equifax on XX/XX/XXXX stating the dispute response was available and it could be read by entering an assigned number ( XXXX ) along with other personal information. After following the email instructions a message came back stating no information was found! Is this a Equifax scam? I am concerned where my personal information went and is it safe?

Company response to consumer: Closed with explanation