vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-09 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: DE

Complaint narrative:
I was mistakingly given two SSN and I have since resolved this issue with the Social Security Administration and they have told me to start using my correct SSN. They even provided a letter for all transfers and changes I will need. I want all my credit from Transunion on old SSN, transferred to new. 

I have contacted Transunion with ALL needed documentation and they answered with a letter that has nothing to do with what I said, or talk about any updates. Which means it was n't even looked at.. I want all my credit history with Transunion transferred to actual SSN asap. I have provided the letter I sent them and what they answered with.

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 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Diversified Consultant is reporting to the credit bureau that I owe a XXXX account in the amount of {$980.00}. Accounting to my credit report the account was open X/X/2015. I have never had an account with XXXX. I have ask for Diversified Consultant over 5 times to validate the debt and they have failed to do so. My rights under the Fair Debt Collection Practices Act ( FDCPA ) states I have the right to request the creditor to prove that the account belongs to me. Diversified Consultant has not done so. The only information they have been able to provide is a computer print out of a XXXX bill. This information does n't proves it belong to me nor does it proves I have a signed agreement with the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Performant Financial Corporation
State: VA

Complaint narrative:
I have three Student loans Disbursement date XX/XX/XXXX for XXXX XXXX  ; XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for XXXX XXXX. I have been current paying XXXX XXXX for a year and have been in good standing and that has been reported to the credit report. XXXX has reached out to my employer and started garnishing my wages and did not have my correct address or credit name and has been reporting to the three credit agencies that I have been behind. I do n't know who to blame

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 2018-01-09 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: TX

Complaint narrative:
Hi, my purse was stolen from me in 2015, I called all three credit bureau to report my purse was stolen and that i need to add fraud alert on my social security. All three said they will added and if someone tries to run your credit you will be notify by phone. Which Transunion fail to put my phone number on file for the creditor can reach out to me. I have about three creditor that ran my social security 7 times in one months. And transunion refuse to removed them off my credit reports i have been dealing with this for about two weeks and no help. 
from transunion but the other two credit bureau removed them.

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 2018-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: AR

Complaint narrative:
) In an effort to make sure we are covered, I am sending in another complaint, because our situation with BBVA seems to only get worse! My wife called BBVA back, after about a week or so when BBVA indicated to us, that before they could take a payment from us, they had to get everything straightened out on our XXXX payment they had lost. My wife called BBVA, and a representative told her that they had a screen shot of the payment we sent them ; and they had to figure out where to apply the XXXX payment, which didnt make any sense to us! After that, my wife has been continually calling BBVA for the last month of XXXX, up until now to no avail ; trying to make a payment, and there is a recorded message that says, leave your account number, name and phone number, and someone will call you back ; but no one never does. ( That number is to their Bankruptcy Department, even though we didnt put the car in Bankruptcy XXXX ) ) We did get a call on the XX/XX/XXXX from BBVA, that they have noted in there call logs, but it was for a survey about their service, which I find very funny, considering how bad the service has been! 
) BBVA has been very incompetent, and if they are going to make it this difficult for us to make a car payment, we feel that they should just go ahead and send us the title to the car ; or not charge us for the month of XXXX and XXXX or however long it takes. 
) The problem of making a payment only seems to get worse with BBVA at this time, and we are worried and confused on what to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: MD

Complaint narrative:
I have a XXXX XXXX credit card that I very rarely ever use. Back in XXXX I realized it was missing, so I called to have it cancelled. When I called, I was told that there was a balance on the card, so I told them I wanted to report it stolen and asked if they could tell me were it had been used. They proceeded to tell me, that the balance was due to late fees as the annual fee had never been paid. I explained to them that I had never received any bills in the mail, and asked if there was anything they could do to help me resolve this. I was told that my only option was to send them a letter in writing to request a waiver. I wrote to them explaining the situation, and my concerns with this reflecting negatively on my credit file, and made the initial payment of the {$39.00} annual fee in the hopes that the late payments would be waived. I got a response from them denying my request, so I paid off the final balance of the acquired fees. I now have not just one, but two late payments reflecting on my credit report, and was denied a home loan due to this. I would also like to know why the charges varied? 

Also, as I mentioned above, I paid these fees off, and it is still reflecting a balance of {$60.00} on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I literally have Credit inquires and have no idea where they came from.

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 2018-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I literally have Credit inquires and have no idea where they came from.

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 2018-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
SW Credit is trying to collect on a debt that is included in my bankruptcy. The original debt is to XXXX XXXX and they are included in my bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase restricted my buying. They did not offer any reason behind this action and have not responded to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I sent {$6100.00} to Coinbase by wire transfer from my XXXX XXXX XXXX account on XX/XX/XXXX.  Coinbase is located in the XXXX with a bank located in XXXX that should receive the payment. 

The balance has not shown up in my Coinbase account still, and today it is XX/XX/XXXX 

I have made numerous attempts to contact and speak with customer service who keep saying that they are going to put a specialist on the case. They have told me this three times. I have used both their online form for submitting issues as well as emailing them directly to ask about a status update. No response whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
TransUnion Credit Report Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2018-01-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I was notified through XXXX on XXXX XXXX 2018 that all my accounts with XXXX XXXX had been closed. 
( XXXX XXXX card ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX and XXXX XXXX with a Balance of {$220.00} when closed and now shows a High Balance of {$310.00} ). In which all accounts had been open in the month of XXXX which was reported to my credit report. I understand thatvthey have a right to close any account without such notice to the consumer however as a consumer to have such a negitive impact to your account within 1 month does not reflect well. This action on the part of the creditor will remaun on my report and it will not reflect in a positive way as the account was open and then immediately closed. I wish to have them remove all accounts from my crdit report and all inquiries that they have place on there. I understand that i may not be the most credit worthy however my past mistakes are from not understanding the importance of credit. However i wish to not have 6 accounts closed adding to the damage that is alredy impacting me that I am trying now to correct. I feel as though my privacy has been invaded by them rechecking my credit report therefore reverting too them closing all my accounts. It would have been better to have denied me all together then to approve me and close accounts that are in good standings and had never been used. 

When I initially contacted XXXX concerning this issue the young lady informed me that all accounts had been closed seemingly due to alot of recent credit inquiries and the only recommendation she could offer would be to write a letter and ask for a review to see if any of the accounts could be reopened. She offered to give me the address in which to write an appeal letter, but see as it was already decided i opted out and Thanked the young lady for her help. ( I was informed that all accounts had been closed as of XXXX XXXX and I was informed today that a letter explaing why they came to the decision was just mailed on XXXX XXXX. 

I thank you for your time and look forward to hearing from you concerning this matter. 

Best regards. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
Coinbase owes me money. I sold BTC and initiated a transfer to my XXXX XXXX bank account on XXXX XXXX, 2017. I still have n't received the money that they owe me. I 've filed several support tickets and I 've never gotten any actual help. I 've only gotten generic help desk messages sent to my email. All information and proof/screenshots can be found on my reddit post. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: CA

Complaint narrative:
- Initiated a withdraw ( via bank wire ) of {$10000.00} USD on XX/XX/XXXX at XXXX. 
- A {$25.00} was wire transfer fee was deducted from the the total. 
- Wire is shown to have been completed, however, as of this writing ( XX/XX/XXXX ), the balance has not been received. 
- Created a support ticket alerting the Coinbase of the issue on XX/XX/XXXX at XXXX PST. 
- Received automated response on XX/XX/XXXX. 
- Follow-up email sent on XX/XX/XXXX.

- Received reply XX/XX/XXXX, but issue not resolved. 
Case : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I have been involved in a predatorial loan For18 years now I purchased my home from an gentleman that does not exists as well as the bogus Company he used that no longer exists however when I purchased my home in XX/XX/XXXX for XXXX with a second mortgage of XXXX to be paid to the gentleman in which I tried to contact several times after closing would not respond to me for payment he sold my home to me for XXXX XXXX XXXX XXXX with a company name of XXXX XXXX after I closed on loan a new loan was filed three months later in the XXXX XXXX XXXX public records for XXXX on my property in which there is not a property within 25 miles of my address that apraises out for that much I did not find out for serveral years later however I was in a adjustable rate and needed to get out of I.T I  refininced in XX/XX/XXXX with a lady XXXX XXXX in which she was known for fraudulent mortgage loans in which she led me to believe that in the refinicing that there was no more second out of adjustable rate so XXXX XXXX would no longer be addressed on my deed however he still is on my deed to this day he doesnt exsist and my loan has been sold over six times and none of the Companies dont hold the deed to my home but yet they try to foreclose with so much fraud before theyve gotten my loan I purchased my home for a total of XXXX in XX/XX/XXXX and today I still owe XXXX for my home Iive in and been in 18 years now I have applied for modifications numberous time was at 13 percent interest rate from XX/XX/XXXX til XX/XX/XXXX was denied in serveral ocassions as well as did not pay mortgage for over seven to nine years because I dont know whom I paying to or if I could ever own my home individually and without someone else that doesnt exsist listed on my deed I am now with Nationstar in which is Mr . Cooper I jus would like to see how I could go about getting a loan forensic to bring some of this fraud to the open

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays had closed all my credit card products without warning or a phone call. No reason was provided for the closure except a letter describing that the 2 accounts were closed. One account was newly opened and I had just paid the annual fee for the card ( XXXX XXXX XXXX XXXX ),  meanwhile the other card was for the XXXX XXXX card which I had for longer than a year 's time and had used often. I also had recently paid the annual fee on the card.

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 2018-01-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems Inc is reporting a debt collection account with the original creditor of XXXX XXXX XXXX XXXX. I never received notification of the debt owed, nor did I receive notice of my rights to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: FL

Complaint narrative:
On XX/XX/XXXX, I transfered {$82000.00} to coinbase from the same account I had originally registered with. On XX/XX/XXXX at XXXX XXXX, I sent an email to coinbase support asking why twenty days had passed since sending the transfer and it still did not reflect in my coinbase account. On XX/XX/XXXX at XXXX, they answered " I was able to locate the deposit however we can not accept the wire since it is under a business name ( the same business account which was used to deposit all the previous transfers to coinbase ), the wire will be returned. I am still waiting for the transfer for a month now. I have read of many others experiencing this same issue for even longer periods of time. This money is required for my day to day expenses and will be hinderin meeting my families financial responsibilites if not returned soon

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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: DE

Complaint narrative:
I had complaint revolved with XXXX XXXX. The amount of XXXX was zeroed out and now the XXXX is showing as a collection on my credit report in the amount of XXXX. The other two credit bureaus deleted the information from credit history, because they were not able to confirm the information from XXXX. I have attached the documents showing that XXXX and TXXXX The resolution with XXXX through the BBB is attached and the highlighted portion shows the arrangement.

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 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
At the beginning ofXX/XX/XXXX, Coinbase closed my account with their service and their exchange GDAX. I had been a customer of theirs since early XXXX. My account closure has caused me significant financial stress when dealing with digital currency. I have reached out to Coinbase support many different times asking for any explanation for my account closure. I have recieved nothing from them offering any sort of explanation or help to resolve this issue. The customer service has been nothing short of awful to someone who has been a customer of theirs for nearly 4 years. I still have get a resolution, just non-existing support.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09 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:
I am a victim of ID Theft and I have been trying to get " Transunion '' to remove this fraudulent account from my report after sending in ; police report, FTC report and proper ID to get them to remove the fraudulent account. After months of trying to get TransUnion to block the account, the account still is reporting on my credit. 


Account still reporting : " XXXX '' ( I DID NOT OPEN THIS ACCOUNT, IT 'S FRAUD!!! PLEASE REMOVE!! )

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 2018-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Used PayPal account linked to XXXX to sell an item ( XXXX ). PayPal sent me an email that the payment was received. I then shipped the purchase item and marked it as sent, along with tracking number and necessary info. After the item was sent, the payment was cancelled by the buyer and PayPal allowed the cancellation although the product was already sent and no refunds or returns was on the listing. Of course, the buyer did not return the product either as this was a plan for fraud. After filing a dispute with PayPal and calling several times, they refused to credit my account or reimburse me. They claimed it was my fault for not making sure I claimed the payment first although they were the ones who sent me an email that I had received payment. PayPal is known for doing this all the time and allowing buyers to commit fraud while leaving sellers at a loss with losing the product and not receiving payment. Furthermore, after selling another item which has been delivered several weeks ago, PayPal continues to retain the payment on hold, which should be available to me by now.

Company response to consumer: Closed with explanation