vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: CA

Complaint narrative:
Credit Card Company : XXXX XXXX I have been trying to resolve an issue with a charge on my credit card that was suppose to have been refunded. I filed a claim with the credit card company on XX/XX/2018. I received a response on XX/XX/2018. The response was that they " could not find where the error occurred ''. All attempts to contact them have not be productive. I was told in on phone call that they did not have the last four digits of my credit card. Which seems unlikely because they use that same information to identify me when I call that same number prior to talking to a service representative. The amount of the purchase was {$15.00}. Purchase date XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
On XX/XX/2018, i settled a debt with cain & wiener collection agency for {$96.00}, original debt was {$120.00} they in turn reported on my credit report that gher was a balance of {$31.00}, also they reported on my XXXX report a mew dept of {$31.00} also a balance on my XXXX report of {$31.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I closed on my home in XX/XX/XXXX. I worked with XXXX XXXX XXXX  and I got a 30 year fixed rate loan. 

Within the first 2 months Wells Fargo - Home Mortgage took over my home loan. 

My monthly mortgage payment at that time and for the first year, until XX/XX/XXXX, was {$870.00}. 

In XX/XX/XXXX, I received a communication from " Wells Fargo - Home Mortgage '' stating that my escrow account " has a shortage of {$1100.00}. '' The letter ( attached ) gave me two options ; 1. pay the shortage of {$1100.00} and my monthly mortgage payment would now be {$930.00}. An increase of {$57.00} per month for the next year. 

Even If I pay the shortage My monthly mortgage payment still increases by {$57.00}??? 

OR 2. not make the one time payment (? ) and my monthly mortgage payment would now be {$1000.00}. An increase of {$150.00} per month for the next year. 

This was a fixed rate home mortgage loan. 

I've contacted both XXXX XXXX XXXX and Wells Fargo Home Mortgage. I was told that my taxes and insurance on my house had gone up so I would have to make the payments. 

I can't afford to pay {$1200.00} out of my pocket for the escrow adjustment, nor can I afford an additional $ XXXX {$150.00} per month on my monthly mortgage payment for the next 12 months. 

I am XXXX years old. I am " fixed '' income. My social security check went up {$3.00} per month. 

I am not their first home mortgage loan. How could Wells Fargo be so far off on their estimates. Is Wells Fargo Mortgage luring in potential buyers with low monthly mortgage payments and then jack-up the rates a year later? THIS IS JUST WRONG. 

Will this happen, AGAIN, next year or in following years.

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 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
i file for bankruptcy chapter XXXX in XX/XX/2014 and it is discharge, this is my second complaint against .the first one thy refused to take my old debt off my credit report .so they finally did it about a year ago, so i no, they no i file chapter XXXX, portfolio recovery nows been sending me bills and calling me for a old debt that was in XX/XX/2014 that was discharge .i call them and said they don't have my bankruptcy information which i no they have i sent it so did my attorney, they should have there license pulled.you can contac me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX wa,XXXX, email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I made multiple purchases of Bitcoin from the XXXX online cryptocurrency trading platform. The purchases were made from my Fiance 's bank account in the following order : ( 1 ) {$700.00} ( 2 ) {$1800.00} ( 3 ) {$3000.00}, the third purchase for {$3000.00} was doubled charged to our account due to an error with XXXX and Coinbase ( XXXX has since taken responsibility for the double charges but Coinbase has not refunded me as I will get to. ) By the end of XX/XX/XXXX, {$5500.00} worth of Bitcoin was credited to my account with Coinbase. However, {$8500.00} was charged to our bank account indicating there was a double charge of  {$3000.00}. 

The Following day, XX/XX/XXXX two more purchases of Bitcoin were made of {$2500.00} & {$4300.00} while still unaware of the previous day 's double charge. 

Our total investment was a total of {$12000.00} that was showing in the Coinbase platform. However, we were charged {$15000.00} to our bank. After roughly two weeks of waiting for the return of our money, we contacted our bank and on XX/XX/XXXX {$3000.00} was returned to our account. 

Unfortunately, the following day Coinbase shut down my buying or selling options with a notice that they were owed {$3000.00}. My hope was that they would realize this was the amount of the double charge. On XX/XX/XXXX, Coinbase transferred {$3000.00} of Bitcoin out of my wallet and then charged me a {$44.00} transfer fee. All of this transpired and they did not notify me that money was taken out of my wallet or that I was charged a fee. Now, essentially the double charge has gone back into effect. Coinbase has responded with emails to my inquiries but not with any detail of how they will solve the issue, only that " we are having a specialist reviewing the case. '' The double charge took place 42 days ago, Coinbase withdrew {$3000.00} dollars from my wallet 26 days ago. How is it acceptable for this much time to pass and not have the problem solved yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
For the week of XX/XX/XXXX-XX/XX/XXXX I have been receiving debt collection phone calls from Portfolio Recovery Associates about every other day. They don't leave messages, and when I call back they refuse to provide information on the debt that is supposedly owed. I spoke with a woman today who kept trying to dodge my questions and ask who I was and what my phone number was without confirming the name or address of the debtor she was supposedly trying to reach. Authentic debt collectors know who they're contacting so I knew it was fishy when she wouldn't tell me. I asked her to send me a validation letter and she gave me excuses and told me I was " making it a lot harder than it had to be '', for just wanting to confirm I wasn't giving information to a phony company. The most suspicious part is that I don't have any debt so I was very curious what they're trying to do by calling me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This company approached me to assist in getting s prescription drug, but they never provided the service. I called within months of the same year 2015. But they still showed I owed them {$25.00} which is not true. They. Annoy produce any service they provided for the {$25.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: AL

Complaint narrative:
I didn't authorize the inquires

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 2018-03-20 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: AL

Complaint narrative:
I didn't authorize the inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: AL

Complaint narrative:
I didn't authorize the inquires

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 2018-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Taylor Law, PLLC
State: IN

Complaint narrative:
I have a problem with Taylor Law pllc. If I get behind on payments they send me a letter that looks like a letter from a lawyer and says they have contacted the sheriffs department in my area. They say they have filed a case in court. They also have changed their name. They wont provide a receipt to my email. One time I showed up to court on a specified date and they did not show up. Where I live in Indiana I should have won by default.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-20 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: IL

Complaint narrative:
Transunion has been careless in sharing my information and I'm furious. I am already a victim by XXXX carelessness and now Transition. Recently I went through my report upon finding my information was compromised in the XXXX mess. Now as I tried to secure my information Transition sent a letter with my reference number giving whomever access to obtain details on my report. I have not lived at the address they sent my credit info to in over 15 years. Their actions are completely inexcusable especially after the huge XXXX breech. Now I have to take additional steps, time, and effort. I am certainly filing action. The letter was opened when I received it.

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 2018-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
A copy of this letter was sent to IQ Data International requesting for the fifth time to remove the negative credit reporting to XXXX, XXXX, and XXXX  due to an improper serve disputed in court and the case was dismissed and granted in my favor. 

XX/XX/XXXX IQ Data International, Inc Attn : XXXX XXXX DBA : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Re : Acct # XXXX XXXX XXXX : This is my fifth verbal or written request to IQ Data International requesting to remove collection debt {$4100.00} on my account connected to Case # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  vs.  XXXX XXXX. This case was dismissed on XX/XX/XXXX at the Plaintiff/Petitioner representing the Landing at XXXX XXXX connected to this case filed in XX/XX/XXXX 

After legal consultation on XX/XX/XXXX with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, the Law firm representing the Plaintiff and Creditor ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was contacted to immediate resolve the default and judgment debit. 

This negative credit reporting has hindered me from obtaining housing in all of California, without good cause, therefore, slandering my reputation as a good tenant because of an improper serve after seven and half years of tenancy at XXXX XXXX XXXX XXXX XXXX. 

This has been already disputed with Experian, Equifax, and Transunion to remove this collection in XX/XX/XXXX and prior numerous times. 

If this collection is not removed off my credit reports immediate, I will pursue with legal counsel representation to sue under the Federal Fair Credit Reporting Act and Fair Debt Collection Practices Act for Civil restitution allotted under the laws. The validity of the collection is connected to this case. 

Please find attached the Court Request For Dismissal from the Law Firm representing the Plaintiff and letter to the law firm. 

Is IQ Data International , Inc., above the federal laws ; that this agency does not have to abide by the federal laws? 

Respectfully, XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My COINBASE account was on " temporarily disabled " on XX/XX/2017 with the message " Sorry, account temporarily disabled. " Please contact support. I emailed immediately to have the issue resolved and had a follow up email the same day letting me know it was in process. For the next 3 months i had emailed them back and forth trying to get access to my money and account always receiving the same generated email providing steps for account recovery that didn't work. I called many times only to wait on hold for multiple hours and on the few occasions that the phone was answered they were quick to hang up on me. I am still locked out, my account has devalued tremendously and I can't get the little that remains. I know many have had the same issue. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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 wrote Experian several times regarding the inaccuracies they are reporting on my credit report on behalf of XXXX XXXX XXXX XXXX for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask Experian to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to Experian was XX/XX/XXXX and again on XX/XX/XXXX. Experian responded that after the investigation they concluded the information reported by XXXX XXXX XXXX XXXX was accurate and the collection remained on my report. Experian did not require the company provide them or me with debt validation as I requested and Experian was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to XXXX XXXX XXXX XXXX to demand they validated the debt they are reporting to Experian. XXXX XXXX XXXX XXXX has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.

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 2018-03-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

I have reached out several times to XXXX XXXX and Experian and have gotten no results. The proof that was sent to me was a medical bill with my private health information. Experian has violated HIPPA and so has XXXX XXXX and still, the items are being reported. Please respond and explain how and why you are still reporting HIPPA information from 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 non-monetary relief
Consumer complaint received 2018-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Bureau Services Association
State: TX

Complaint narrative:
In XX/XX/XXXX, my EX wife rented a house using my social. In XX/XX/XXXX she broke the lease and the account went into collections a few months after. For 11 years now, XXXX XXXX XXXX ( original creditor ) and CREDIT BUREAU SERVICES ASSOC ( collection agency ) continue to illegally re-age this debt, currently showing it was opened XX/XX/XXXX. In XX/XX/XXXX I was trying to purchase a home when I noticed they were STILL reporting this after 9 years. I made contact with the collection agency and informed them of their illegal practice, and they removed it from my credit. Now it is almost 11 years from the original reporting date, and it has reappeared again. I have disputed with XXXX several times over the years and it is still unresolved. I disputed again with XXXX  but am weary of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: PA

Complaint narrative:
Experian has refused to reinvestigate a HIPPA violation on my report I have asked several times and they have refused to investigate XXXX XXXX which has access to my private health information without my knowledge or permission. Please reinvestigate this serious offense.

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 2018-03-20 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: RSH & Associates, LLC
State: MO

Complaint narrative:
I wrote XXXX several times regarding the inaccuracies they are reporting on my credit report on behalf of RSH & Associates LLC for account numbers XXXX for the amount of {$300.00}, and account XXXX for the amount of {$870.00}. I ask XXXX to investigate the inaccuracies and delete them off my report for their inaccurate reporting. My most recent letters to XXXX  was XX/XX/XXXX and again on XX/XX/XXXX. XXXX responded that after the investigation they concluded the information reported by RSH & Associates LLC was accurate and the collection remained on my report. XXXX did not require the company provide them or me with debt validation as I requested and XXXX was not provided with the original contract with my signature which mean they could not have property investigated this item and this is a direct violation of my rights. I sent a certified letter directly to RSH & Associates LLC to demand they validated the debt they are reporting to XXXX. RSH & Associates LLC has not replied to my request. I am now filing my complaint as my rights under the fair credit reporting act is being violated and I am seeking help to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20 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: PA

Complaint narrative:
This is my third attempt with Transunion for an item XXXX XXXX XXXX XXXX. The item was deleted on XX/XX/2017 and recently was reinserted in my report. I have reached out to them asking them to investigate this issue and they have failed. 

In accordance with FCRA Section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required by law to notify me of reinsertion in writing within 5 days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency None of the above steps were taken according to law. Transunion has violated FCRA laws and has continued to violate by not properly addressing and investigating this issue. I am asking a third time to please remove this item from my report due to the blatant disregard for consumer laws.

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