vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-05 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: LEXISNEXIS
State: MI

Complaint narrative:
After several requests, Certified letters, online complaints, and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my XXXX credit report. I do not accept a third-party reporting service co-owned by XXXX. ( LexisNexis ) This is required under the FCRA section 605.  Please advise how this item is verified as we have checked with the reporting court and they have no information from XXXX or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request LexisNexis to supply me with a verification letter regarding this matter or remove the reporting from my credit report immediately. 

Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached. 

Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit. 

I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. Please correct this matter immediately and provide me an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: EQUIFAX, INC.
State: MI

Complaint narrative:
After several requests, Certified letters, online complaints, and long waiting : Please accept this as a PROCEDURAL REQUEST LETTER to verify a bankruptcy being reported on my Equifax credit report. I do not accept a third-party reporting service co-owned by Equifax. ( XXXX ) This is required under the FCRA section 605. Please advise how this item is verified as we have checked with the reporting court and they have no information from Equifax or anyone for that matter requesting verification. I have also requested in writing from the court to provide correspondence of same. I request XXXX to supply me with a verification letter regarding this matter or remove the reporting from my credit report immediately.

Also according to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX  bankruptcy can remain on your credit history for up to 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade.

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy can be removed from a credit report before that limit is reached.

Upon providing this information to you I am requesting that the bankruptcy be removed immediately due to unverifiable proof and that under the FCRA this item can be removed prior to the maximum time limit.

I am also forwarding a copy of this request to my attorney XXXX XXXX XXXX to which you have on file. Please correct this matter immediately and provide me an updated credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
Mid valley collections bureau Aka professional collection consultants have used illegal tactics to put a one on my property. First they unsuccessfully tried to garnish my wages, the judge ordered in my favor via the XXXX XXXX police department. After unsuccessfully trying to garnish my wages they put a lien on my property even thought they were told they are no longer allowed to make attempts to collect money I do not owe. Ive asked them repeatedly for validation of days debt which they have not replied and failed any form of validation. They keep changing the amounts owed, and their name. I was never informed there was a lien or an attempt to put a lien on my property. By law creditors have to let you know before putting a lien on your property. The lien was placed on XX/XX/19 and I just was notified by my title company on XX/XX/19 that there was a lien. I was never notified and all this time has gone by with interest being added. What they are doing is illegal and they need to stop using illegal tactics against consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have been harmed by Synchrony Bank. They have lowered my credit line on two accounts ( Lowes and Care Credit ) based upon an incorrect credit score information and the following reasons which are completely unrelated to the two accounts I have with them : 1. LACK OF REAL ESTATE SECURED LOAN INFORMATION 2. BALANCES ON ACCOUNTS TOO HIGH COMPARED TO CREDIT LIMITS 3. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON INSTALLMENT ACCOUNTS 4. NOT ENOUGH BALANCE PAID DOWN OVER TIME ON STUDENT LOANS Their actions have been very damaging to my credit. All payments on the Lowes and Care Credit accounts have been on time and never late. All open accounts on my credit are in good standing and paid on time.

On the Lowes account, they lowered my credit line to {$250.00} from {$700.00}. My current balance is {$240.00}. Their action has caused my credit usage percentage to increase from 34 % to 96 %.

On the Care Credit account, they lowered my credit line to {$3900.00} from {$8500.00}. My balance is {$3200.00}. Their action is this case has caused my credit usage percentage to increase from 38 % to 83 %.

I have attached my payment activity for both accounts, as well as, my billing statements. My credit report reflects that all real estate, student loan, and other installment accounts are in good standing with on-time payments every month.

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 2019-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank seems to be utilizing misleading practices in mortgage ( HE ) monthly statements. The bank provides a section titled Explanation of Amount Due. In this section it breaks down how the  payment received is allocated between interest and principal. 
As an example it reads : Explanation of Amount Due Principal XXXX Interest. XXXX Regular Monthly Payment XXXX However, upon reviewing next months statement. There is a section in the bottom of the page titled Past Payments Breakdown In the section of paid since Last Statement it reads Principal. XXXX Interest. XXXX Total. XXXX It is clear that the explanation of amount due does not match how the payment is actually applied. This is misleading and has caused financial loss because the decision of keeping or selling the house was based on the payment allocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
My phone logged me out of my coinbase app last week. I have tried to log back in so I can cash out my money, but it asked for a two-factor authentication, and the number that is associated with my account is the one from when I was stationed overseas in XXXX. I tried changing the number and doing an ID verification, but because my ID isn't from XXXX, it wouldn't let me verify it. I've tried calling and emailing multiple times and selecting multiple issues, but I've not had any luck resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: SC

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-11-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: FL

Complaint narrative:
Evergreen services lend me money and I asked several times how much was the interest but they refused and lied to my face. This company is a scam and I want them to stop collecting payments because of false advertisement!!!!! Stop all type of communication with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
On XX/XX/19 spoke with Zwicker and associate XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, XXXX XXXX and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX of this year, approximately XX/XX/13 I contacted Citibank because I was not able to get my bank statements online. I was receiving an error on the website and I am not receiving my statements in the mail either. I was told I would hear back from them in a few days and its been almost 2 months and I have not heard anything and I still can not get my statements. 
This is not an issue with my computer or web browser because I was on the phone with Citibank 's website support and they tried to get me to wipe out my cookies and other things. I also tried several different computers on different servers and I was still having the same problem

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 2019-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC.
State: MO

Complaint narrative:
ECMC is ruining my credit report and quality of life. I have been paying these student loans for years and Im paying currently $ XXXX monthly payments and they have and are still reporting Im late, delinquent with no payments monthly. I keep being denied a mortgage loan to support my family and Im paying on time automatic payments monthly. They are reporting false information as Ive been time and making faithful payments. They are affecting my well being and livelihood due to their reporting. I have all statements showing Ive been paying and on time. Please update so I can continue to provide a place for my family.

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 2019-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I purchased a XXXX XXXX XXXX XXXX XXXX 3 Seater Sofa XXXX from XXXX  XXXX  through their website XXXX under order # XXXX. 

Unfortunately, the sofa I received is defected and is not the correct dimension as advertised and verified by the XXXX XXXX Quality Control Department because the sofa was delivered today with the incorrect dimensions of XXXX vs XXXX, XXXX vs vs XXXX, and XXXX vs XXXX. 

To resolve the problem, I have contacted the merchant without an acceptable response to resolve the issue. Provided the merchant and Capital One all requested information to document the measurements of the sofa being disputed. Enclosed are copies all email communications with the merchant, written email communication from the merchant acknowledging the sofa delivered was defective with the incorrect measurements, receipt for proof purchase detailing the measurements advertised by the merchant, email communication advising the merchant on XX/XX/2019 the sofa is available for inspection and measurement by a XXXX XXXX representative or pickup for return at their discretion. 

Despite providing Capital One sufficient documentation to support the dispute claim under Claim # XXXX, your dispute claim representative has refused to continue my claim process and reapplied the disputed charge to my account for the amount of {$2500.00} on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My credit card company Capital One is not resolving a dispute I have with a merchant. In XXXX of 2019 I made a reservation with a company called XXXX XXXX XXXX to stay at the XXXX XXXX XXXX XXXX for XXXX XXXX. The company charged my capital one credit card {$490.00}. In XXXX of 2019 XXXX XXXX XXXX emailed me and stated that their company is closing and that I needed to contact my credit card company for a refund. The company could not be reached. I reached out directly to the XXXX XXXX XXXX XXXX who confirmed that the reservation had in fact been canceled and they did not receive payment for the room from XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX reserved a room on a NEW reservation and I payed the XXXX XXXX XXXX XXXX   DIRECTLY for a stay at their hotel on XXXX XXXX. In XX/XX/2019 I submitted a dispute on the transaction from XXXX XXXX XXXX with Capital One. Capital One received my complaint and assured me that the case was very simple and that they would contact me if they needed further information. I received a letter in the mail from Capital one around XXXX stating that Capital One had not heard from the merchant and they considered the dispute closed. On XX/XX/XXXX I checked my capital one credit card and saw that the company had reversed the transaction of refunding my {$490.00}. I called Capital One to inquire and they stated that XXXX XXXX XXXX had provided the receipt from the transaction where I was originally charged claiming that was proof that I had stayed in the hotel. After being provided the information to Capital One to send them my documentation proof ( which they had refused in the past to provide me stating they did not need my documentation ) I sent all of my documentation- including statements from the XXXX XXXX XXXX XXXX of the cancellation from XXXX XXXX XXXX, my rebooking confirmation, the statements FROM CAPITAL ONE showing that I had been charged by both Hotels for Everyone and the XXXX XXXX XXXX XXXX for the exact same stay from XXXX XXXX, 2019 and several other pieces of proof making it very obvious that this company defrauded me. Capital One has now had this documentation since XX/XX/XXXX and I have called them repeatedly asking about the status of the dispute. I have constantly been told that " the back office is working on it '' and was assured that there would be some status as to my dispute by XX/XX/XXXX ( obviously not ). The company will not remove the transaction from my credit card and it is currently accruing interest. This is a very clear cut case of a company defrauding their customer. Capital One needs to remove this transaction from my credit card in accordance with the Fair Credit Reporting Act. I am happy to provide all the documentation I provided them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Circle Internet Financial

Complaint narrative:
On XXXX XXXX, 2019 XXXX Price Crash Triggers XXXX BTC  Loss on Poloniex. 

On XXXX XXXX, 2019 Poloniex seize the principal of all Bitcoin lenders 16.202 %. when XXXX crash happened. In my opinion, this is unfair seize for all lenders. I have 3 main reasons below. 

Fisrt of all, the truth is all BTC loans on Poloniex are lent in peer-to-peer margin lending. They had changed their rules suddenly when XXXX crash happened. Poloniex gave the reason to lenders is " All BTC loans on Poloniex are lent in a common pool that is shared across all markets and borrowers '', which is not true. They had just changed overnight for their own win in this situations. 

Second, Poloniex system is flawed and don't have proper automatic liquidations in their margin system. Moreover, Poloniex had allowed XXXX can margin trade by not having a proper liquidation system for XXXX/BTC pair. It was Poloniex fault, not lenders. 

Third, Poloniex said that XXXX BTC loss in the Poloniex XXXX lending pool. ( assuming that it's pool. ) But there is no evidence to prove that XXXX BTC is real loss by lenders. While they had got XXXX BTC  from lenders already. 

In conclusion, I would like to get my BTC back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I received an email from Equifax on Sunday XX/XX/XXXX stating that I'm trying to apply for credit card through XXXX XXXX  which totally not true. That same day i filled a dispute with Equifax and on Monday I contact Equifax to complain Equifax refuse to take my complain. I contacted XXXX who is credit monitor through my company to filled a complain. On Tuesday my online dispute through Equifax came back stating the information is accurate Immediately i contacted Equifax the same thing happen again refuse to help in this matter and it's affecting my credit score. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/19 spoke with XXXX XXXX XXXX XXXX XXXX and set up a payment plan. They indicated to us that after they receive the first instalment payment they would put the legal action on hold and we didn't need to respond to the court order. After allowing them to withdrawal XXXX for our first payment which was taken out of my bank account we recieved papers from them the following Monday to sign and return within 7 days from the agreement date which is roughly 3 days. These papers are the oppposite of what we agreed to and we called and spoke with they attorney Mrs. XXXX at XXXX and she refused to take responabilty. Further she said that we could not record the conversation and I told her that her practices were deceptive and she said she had to end the call. this is DECEPTIVE PRACTICES AND AGAINST THE LAW!!! We also contacted the original creditor, American Express and filed a complaint. We have no intention of signing a jusgement order after they told us that it would be dropped as long as payment arraingments were set up and they recived their first payment. I feel as if I need to file a counter claim and sue them for deceptive practices. I do have a appointment with an attorney this evening.

Company response to consumer: Closed with explanation