vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-03 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: CA

Complaint narrative:
Equifax continues to use information that does not belong to me on my credit report. I have reported this issue to Equifax numerous times. Even after their " investigation '' they still purposely report the same information as my name being XXXX XXXX XXXX XXXX. 

On page 3 of the document Equifax XXXX, Equifax has updated my information to say that, " I may wish to provide my credit grantors with the update : Name : XXXX XXXX XXXX, XXXX Ssn XXXX Birthdate XX/XX/XXXX. This is not true. 

On page 4 of document Equifax XXXX, Equifax is again asking for a copy of my identification and social security card, to which I have already mailed to them by US mail. Equifax has confirmed the receipt of my identification as indicated in my CFPB complaint # XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Equifax at XXXX. I spoke with XXXX of Equifax ( id # XXXX ). She asked me to verify my name and when I did, she stated that my name has the suffix " XXXX '' at the end. I told XXXX that my name does not have any suffix. XXXX told me that I needed to send in my identification. I informed XXXX that I had sent my identification and social security card to Equifax over 30 days ago. I also informed XXXX that I have already disputed this information with Equifax aroundXX/XX/XXXX. XXXX did acknowledge receipt of my identification. Even after Equifax received my identification to verify my name, Equifax has continued to report information about me under a name that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On Friday XXXX XXXX 2017 I made a deposit into my business checking accounts located at TD Bank. Made this deposit directly with the teller it was in the amount of {$7000.00} part cash part check. The check was from one of my other accounts located another painting institution also located in New York I confirm with the teller the funds would be available within 24 hours and upon return to my office I thought it was strange that I saw no credit of at least the cash amount I was assured by TD that there was no issue that my receipt was valid and that the account would be immediately credited I scheduled a wire transfer amounts to the IRS in order to pay estimated taxes along with other payments based on this representation and deposit that have been made Tuesday morning I woke up to a bank alert I thought it was two advise me that my account balance was higher than my daily average instead I found that my account was overdrawn by several thousand dollars Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account Review of account activity said showed no fraudulent activity but that the deposit that you made still was not credited to the account communication with the bank assured me that this will be resolved by this morning and it has not as a result My account continues to be overdrawn automatic payments that are scheduled have been denied therefore impacting any credit report on my end Even the cash that was part of the deposit has been credited and a review of the banking institution where the other funds withdrawn shows that the check was presented to them and successfully transferred to TD therefore the issue Solely lies with TD at this point XXXX deposits by myself as of yesterday to this account did post but yet the larger deposit on Friday shows no history in my account whatsoever Business is essentially a standstill as this is my operating account and its for an attorney firm therefore checks to courts for filings can not be issued for the fear that they will be bounced based on the bank error If they had communicated if the issue at any point other arrangements could have been made on my end be it transfer of other funds cancellation of payments and/or delays to same so as to insure fast funding etc. yet instead no correspondence was issued by the institution at any point nor was there a clear alert on their website. Therefore causing unnecessary stress and confusion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I was repeatedly contacted by IQ Data about a debt I do not owe. They are calling me constantly, harassing me, threatening me with suing, threatening me with credit reporting yelling, belittling, calling during business hours, calling my work, leaving repeated voice mails, calling back to back, day after day. They never sent me a letter detailing any debt or given me the opportunity to dispute the debt if a valid one existed. I have not verified any debt owed to IQ Data. I do not owe any money to IQ Data. I want the harassing phone calls to stop. They are calling all hours of the day about a debt that is not owed. They have the wrong person! This has to be against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
I have disputed the information that is being reported on my credit reports to the company directly and to the CFPB. The company is fraudulently reporting information on my credit files. This is being reported and tied to a name XXXX XXXX XXXX, 2. That is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, i did a wire SEPA transfer on XX/XX/XXXX of a sum of XXXX Euros into my Coinbase wallet and im still waiting for my money, talked with the costumer support few times, i have provided all information i have been asked and im still waiting. 

They claim that the reason why i havent receive my funds is because i need to verify my ID, by XX/XX/XXXX my identity was still verified, now i have changed my phone number and im trying to verify my id but their verifiying ID app isnt working at all. 

Thank you in advance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Hi, I am a chase checking customer. When I was opening my account, I remember the the agent telling me that if my account goes into negative, I will have until XXXX EST to deposit the required amount to avoid any overdraft fees. So I transferred the amount online by XXXX CST. But still they charged me overdraft for 2 transactions, totaling about {$68.00}. When I called them, they bluntly told me that for online transfers its XXXX CSTand for CASH deposits its XXXX XXXX CST and refuse to return the money back. I am afraid due to this insufficient fees, I might be charged another overdraft fees of XXXX $ as few transactions are pending in my account. Is there any way I can get the fees back??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CITIBANK, N.A.

Complaint narrative:
I filed a complaint on XXXX/XXXX/XXXX and have progressed up to the following steps. 1, I have been given complaint number XXXX - XXXX. 2. My complaint had been received by CFPB and CITIBANK N.A. XXXX. 3. CITIBANK had submitted their response to CFPB and me 4. I have completed draft of my Feedback for The Company 's Response. However when I was sending it using the field in CFPB form, i.e. before I copy paste my draft all of a sudden the system was closed and so my complaint was closed. 

Iam now requesting a repeat for me to submit my Feedback for the same complaint I filed in XXXX - 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 2018-01-03 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: KY

Complaint narrative:
Equifax is using the same Hard Credit Inquiries more than once? They recently listed inquiries from XX/XX/XXXX and another from XX/XX/XXXX. The result of this was to lower my Credit Score from Excellent to Good!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Vehicle was repossessed then reclaimed with payment, and repossessed again after financial commitment to repay balance on vehicle.

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 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
I am a registered user of coinbase.com When I try to log in I receive a confimarion SMS. 
Around XXXX 2017, I had to change my phone number. 
The SMS verification codes still get sent to my old phone number and I wanted coinbase to change it to my new phone number ever since. 
This process of changing my phone number requires the verifcation of my ID. 

I tried this numerous times and it never worked, mostly because : unknown reason and sometimes because they have me as : forename ; surname and on my documents its surname ; forename ( XXXX have surnames infront, basically x, y doesnt match your name y, x ). 

I tried contacting the customer support at coinbase.com, but they never replied. 
I have funds ( BTC, ETH ) in my account that are important to me and I can not access them and the customer support does n't seem to want to help me in any ways.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I notified Fifth Third bank in XX/XX/XXXX and advised that my pay check with being garnished via my husband at the time hospital bill. and that i would not make enough due to being the only one working due to the brain injury for my husband at the time. I filled out a Hardship application and was denied but continued to make the monthly payments as well as I could. I continued to make payments until XX/XX/XXXX when i was told they would not take my payment and to call the fifth third bank in XXXX. At that time i was advised that i was late so many times on my payment and that they would not except anything but the full past due payment or my account would go for foreclose. 
I have been back and forth filling out hardship applications with fifth third and on XX/XX/XXXX they sent me 3 of my last monthly payments back to me. I still have that check. 
I now have been denied again for the hardship change to my loan and they are advising me that they are going thru with the foreclosure. 

I feel that fifth third is not working with my and i have followed all their steps to prevent this from happening When i call i never get the same answer from the representatives on the phone and no one can tell me what is going on and what needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: AR

Complaint narrative:
On XX/XX/XXXX ... .XX/XX/XXXX ... and XX/XX/XXXX I attempted to call Equifax Credit Bureau . I called to update my addresses and to request the removal of some inquiries that I did n't initiate or authorize ... ..I spoke to a U.S rep who was more than willing to update my addresses and remove my inquiries as soon as she finished updating my addresses and started to delete my inquiries her phone was disconnected. So I called right back and another rep was on the phone. So I explained to him what happened with the other rep that I called in and wanted to get my address updated and request removal of XXXX inquiries. I told him that 's what the other rep was in process of doing before our call was disconnected. He told me that he seen where she updated your address but he ca n't remove my inquiries. I asked why is that sir? He said they have no authorization to remove inquiries that I will need to contact the creditors and get a police report ... ..so I asked for a supervisor and he said the exact same thing. I 've seen where other people have gotten inquiries removed from Equifax without police reports or talking to creditors ... .also ive been hung up on a total of 6 times I explained to the supervisor that I have no contract with these creditors I believe that a lot of these inquiries were a result of the breach that 's going on ... .After that I 've been calling Equifax for 3 days and still no results!!!! A TOLTAL OF 13 HOURS TALIKNG TO Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
I got a phone call from XXXX requested some payments from me about a debt I was not aware of. When I asked a copy of the invoice they never sent it to me. Therefore, I feel unsafe to share any information with them, even though they have been pressing me to verify my social security number, to such request I declined.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I do n't have any judgement in XXXX XXXX in the amount of {$3300.00} as stated on my credit report.

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 2018-01-03 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: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have an account that seems to me is a bank account closer and its negative in my credit report. XXXX XXXX XXXX in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Have been leasing a number of XXXX cars, my last lease that was over in XX/XX/XXXX. There was a disposition fee of {$390.00} that is paid when the lease is over and is usually mailed to address on record. I never received that letter so I can pay the bill, I have always been on time with them including all car payments for years and all disposition fees if applicable. In XX/XX/XXXX, I received a mark on my credit report saying i have a missed payment. I immediately called them and paid, and also tried for them to take it off the credit report as I never received the letter with the final bill, which I would have paid without a problem. This crushed my credit report and it took me over a year to return to normalcy more or less. I tried again get it removed and XXXX XXXX XXXX said they do n't want to do anything. It is still showing up on my report. Please help. I never missed a payment to anyone since I was XXXX years old, so almost 20 years.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
I received a collection letter from XXXX XXXX stating that I owe a balance to XXXX but they never sent anything before. I sent them a debt validation letter asking for an agreement bearing my signature between me and their collection agency, proof that they are licensed to collect in Ohio, their license number and registered agent, complete payment history on this account along with an accounting of all additional charges assessed, valid copies of the debt agreement stating the amount of debt and interest charges, and also an agreement between them and the creditor that authorizes them to collect on the alleged debt. They failed to produce any of these and also sent me a letter saying the debt is valid with a summarized bill. Not to mention they also sent a preselected exclusive offer for me to get their services which doesnt make since if their claiming I owe them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Since XX/XX/XXXX Capital One stated they would close the checking account 360 due to a mobile deposit I made from a contractor. I explained to them was my first time working with the contractor but no problem close the account since they said no other option. I was told I would receive a check for the amount that was currently in the account on XX/XX/XXXX. I have waited patiently and been calling, emailing, and writing letters to the company to no avail or response. Before XXXX I realized they had NOT closed the account and have continued to accept a portion of my stipend as well as payroll every two weeks since the XX/XX/XXXX deposit. I was told the account was n't closed for some reason, but that I ca n't access the funds. Which at that time it was {$670.00}. Today the balance is {$750.00} and I was told on XX/XX/XXXX I would receive the funds to my linked account outside of Capital One on XX/XX/XXXX. This action did NOT take place. I called in again and was told the holidays throws everything off and I would see the funds on XX/XX/XXXX. As of today I still do n't see the funds. I have called all day yesterday and this morning and keep getting the run around. They are telling me I can not talk to anyone live in the case review department that it 's not an option, and I told them this is unacceptable. I ca n't understand how or why I have yet to receive my money. I told them I have been calling almost daily since XX/XX/XXXX and emailing and I understand they get backed up but this is insane. Please help me get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03 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: TX

Complaint narrative:
I initiated a dispute with Equifax in XX/XX/XXXX regarding a derogatory remark indicating a past due amount of {$58.00} with a medical facility in XXXX Texas. This past due bill was paid in XX/XX/XXXX/XX/XX/XXXX. 

I received an email telling me that my dispute had been completed ; however, when trying to access the information, the 'system ' would not let me in. I called Equifax on two occasions ... the most recent call being today, XX/XX/XXXX. 

I shared my concern with a female employee who told me only that the dispute had been completed but she would n't tell me the outcome. She transferred me to XXXX and he told me that I had called the wrong number and to call XXXX between XXXX XXXX and XXXX XXXX. I called the number at about XXXX XXXX and, through an automated system was told that the center was n't open and to call between XXXX XXXX  and XXXX XXXX! 

I check my credit score routinely. Currently, it is XXXX with XXXX and XXXX with Equifax. While many might view this as insignificant, I do not. I am concerned about Equifax 's information coupled with the gap between the two agencies. I am also concerned about the lack of customer support/customer information provided ( or not provided ) by Equifax. 

I appreciate any aide from CFPB. I can be reached via email to XXXX or by phone to XXXX. 


Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Dear Sir/Madam I transferred XXXX to Coinbase a cryptocurrency platform. On XXXX-2017 from my XXXX bank account XXXX. The transfer payment ID is XXXX. I have transferred the payment using SEPA. 

I emailed coinbase several times but their reply is very generic saying that we have escalated your case and afterward no response. According to the company, my transferred payment should show in my coinbase account in 10 business days but almost a month has been passed now. 

I am in dire need of my funds. Currently, I am a student in the XXXX at the moment and is suffering from XXXX conditions. I need to pay my hospital bills as I am an XXXX XXXX I dont have access to free healthcare. 

I have written to coinbase several times but no avail. I want to cancel my transfer order and want my money back in my bank account to pay the bills. I have also written to coinbase CEO XXXX. My case was escalated two weeks ago and still no follow up.

Company response to consumer: Closed with explanation