vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Looking at my Transunion credit report it shows that XXXX XXXX  account and credit acceptance account " NEEDS ATTENTION ''. That comment needs to be removed. Both of those accounts are in Chapt. XXXX. No bankruptcy account needs that type of comment because the account is closed showing wage earner and a XXXX balance. There should be not other comments on these accounts.

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 2018-12-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
XX/XX/2018. I saw that a payment was withdrawn from my bank account for {$140.00} from XXXX XXXX. I am not signed up for auto-pay with them. I called the company and spoke to representative. He said as well that I was not signed up for auto-pay or what they call convenience pay. However, the man said they still had the right to deduct a payment. I informed him that was not legal and they could not take a payment automatically from my account if I was not signed up for that service. He kept arguing with me that they did have the right to take the payment without my permission. After going back and forth, I told him I was contacting my bank and hung up. I am attaching a screenshot showing that I am not signed up for the service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX  has been non-compliant with removing the unverified account NAVY FEDERAL CU OF Opened Date XX/XX/2013 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NAVY FEDERAL CU OF was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
XXXX has been non-compliant with removing the unverified account NAVY FCU Opened Date XX/XX/2015 which has been deleted by XXXX  and XXXX. XXXX  and XXXX have both completed their research and determined that NAVY FCU was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: LA

Complaint narrative:
Every time I reach out to the company ( Loancare ) in regards to my loss mitigation application I am told something different. Ive never received correspondence about my case and when I call the company no one seems to be able to help me or have any information about it. I was told my case workers name is XXXX XXXX be shenever answers when Im transferred to her nor does she returns my calls. Ive been told that I was in a trial payment plan for four months and was forced to make a payment of {$1000.00} and some cents without agreeing to any of it only to call again and be told that no Im not on any trail payments and that they must have been in the wrong persons file!!!! My regular mortgage payment is 1200 plus dollars so the XXXX payment then was moved to so other account not being applied to my monthly payment and now Im considered to be be late due to their confusion. Even when I visit their site it shows that there is a 1st trail payment that they are trying to tell me that they never had me pay. Their site does not allow you to pay less than your monthly balance do this wouldnt have happened unless they arranged it that way. Somewhere along the way there is a lack of communication within this company that my mortgage was unfortunately sold to.

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 2018-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MN

Complaint narrative:
YOUR COMPLAINT On XX/XX/2018 I withdrew USDT from my XXXX account and transferred it to Coinbase. I should have changed the coins back to XXXX before transferring, I know it was my mistake. It was {$9200.00}. I contacted XXXX and they said there was nothing they can do because the funds left there and went to a coinbase address. I contacted coinbase and here is the response I got back from them. Good day! Thanks for hanging in there while we investigated this case. Prior support personnel were correct in their assessment. Under no circumstances is anyone encouraged or allowed to send digital currency that is not accepted by Coinbase, as these funds will be not be capable of being retrieved. For more info feel free to peruse here. XXXX XXXX XXXX XXXX My apologies that there isnt more we can do. Have a great day, and thanks for using Coinbase! XXXX Coinbase Support I contacted USDT XXXX ( the coins I sent ) and they said they would work with Coinbase on retrieving the funds. This is the response I got from tether who said they would help, but coinbase still refused to pull back the funds. Dear Coinbase support, I have unfortunately accidentally transferred XXXX  USD to my Coinbase address XXXX   Unfortunately while you may not directly support these funds they are still now owned/controlled by this address you control. The XXXX team is more than willing to work with you on the recovery process if you will work with them. Can you please reach out to their representative at XXXXto for additional information on how to recover and return the funds.

OnXX/XX/2018 at XXXX   PDT XXXX <XXXX> wrote : I sent USDT from XXXX to Coinbase by accident. How do i get my money back to XXXX? address : XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: FL

Complaint narrative:
XXXX XXXX XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

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 2018-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
On or about 2018 I took an installment loan from Tower Loans in XXXX Mo at said time they added on a product " involuntarily unemployment insurance '' as I was a fulltime employee that was unfortunately laid off from my employer I submitted a claim and the insurance company refused to pay out I was told by a corporate entity Regional Director and District Manager I was now a fulltime employee with full benefits vacation etc however when I submitted my involuntary unemployment insurance claim the company refused to payout stating I was seasonal although what my employer filled out clearly said laid off due to " lack of work '' not seasonal as Tower Loans and their insurance provider alleged and this decision has put me and my family in a " economic hardship '' and I am unable to pay said loan I intend to file a counter suit if Tower Loans files suit against me they also have violated the FCDPA by contacting my family otherwise know as a third party and disclosing my loan amount and information about my loan to them causing me irreparable harm they need investigated and action taken against them DO NOT get a loan from Tower Loans they sell frivolous insurance and shame on them! My Counter Suit will cost  Tower Loans tremendously. They need to charge off and leave me alone or face court countersuit

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 2018-12-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
XXXX reported a late payments while I was in a military status on duty and did not furnish documents to me pertaining to a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: IL

Complaint narrative:
Equifax has an old loan that was taken off my credit. Every month something new keeps popping up only on Equifax. When I email them I don't get a response. My credit score continues to DROP with them and grow on XXXX. The difference is around 50 points. They were hacked, I was included, and I still have a horrible score with no movement. I opened 2 secured credit Cards using minimal amounts to work on my credit after a horrible divorce. It's doing wonders for Transunion and still being decreased by Equifax. Something is seriously wrong! I've read the complaints, there are so many. Looks like no one investigates this thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I filed a complaint against experience with your organization. Experian had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. Experian reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. Experian also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.

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 2018-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: AZ

Complaint narrative:
Today, XX/XX/2018, I received a notice from XXXX  about a new collections account being posted. 

There were two collections accounts posted on XX/XX/2018. I have received no written or phone notifications from the debt collector that they held the debt, nor have I received any information regarding my rights to verify the debt. 

I have the actual debt from the creditor in my hand and it is a different amount than posted, also the dates do not match with the original, itemized bill. 

I HAVE been receiving calls from unknown numbers who either hang up or say nothing, I'm concerned this may be a scam or this company is intending to commit fraud against me. 

I have not taken any actions yet out of fear of retaliation from the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

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 2018-12-15 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: FL

Complaint narrative:
XXXX XXXX  XXXX is showing that I am 30 day late for XXXX. 
My credit report is reflecting the late payments as seen below. These accounts are in error because they were paid on time. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 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: NY

Complaint narrative:
I filed a complaint against experience with your organization. XXXX  had my score at a XXXX and I am unable to obtain housing making me XXXX. I am forced to live with my brother. XXXX reacted to the complaint with a long message that there is nothing that they can do to help me better my credit score. XXXX  also reacted by decreasing my creator score further to a XXXX. I also notice inaccurate information on my credit such as social security payment which is paid in full through company garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH XXXX, SO I CALLED XXXX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING XXXX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM TRANSUNION SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR TRANSUNION CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT TRANSUNION. I ONLY CALLED XXXX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT TRANSUNION, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Credit Reporting Agency, Please provide evidence that XXXX XXXX XXXX account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Credit Reporting Agency, Please provide evidence that XXXX XXXX XXXX account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.

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 2018-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
( Reference CFPB Case Number XXXX ). I filed a CFPB complaint about XXXX XXXX/ XXXX XXXX Credit Card where the purposely moved money around in my account so that I would pay more interest. After I filed the complaint- they changed my regular account to a {$350.00} Balance- which is fraudulent. I only made one purchase in my regular account over the past year and it was for {$220.00}. 

How can I have a {$350.00} balance on my regular account when the only purchase I have ever made was $ XXXX and the {$220.00} was supposed to be paid off according to a conversation with XXXX XXXX XXXX  XXXX Customer service on XX/XX/XXXX. 

I received a letter from XXXX  XXXX  dated XX/XX/XXXX from a Ms. XXXX XXXX ( XXXX ) XXXX Extension XXXX and attempted to call her back many, many times. She will not return my phone calls or answer the phone. I do not believe this person exists. 

I was supposed to have only 2 deferred interest accounts open on my XX/XX/XXXX statement, but because I filed a CFPB complaint, my statement came in WITH FOUR ( 4 ) open account lines ( 2 deferred interest, 1 regular account and 1 fixed pay ) and a XXXX regular balance WHICH IS A LIE BECAUSE I NEVER MADE ANY REGULAR PURCHASES MORE THAN XXXX DOLLARS! 

I worked this out with Customer Service and when the error showed up on my XX/XX/XXXX Statement- the Customer Service representative WOULD NOT WORK WITH ME to fix the problem. This is why I had to file the CFPB complaint. 

This company should be shut down for malpractice and criminal activity. I will NEVER make a purchase from XXXX XXXX AGAIN!

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 monetary relief
Consumer complaint received 2018-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I have already explained that the manager at the time had a record and was fired for illegal account activity and falsely making records. I explained this in my disput to the credit bureau but this company continues to update and hit my credit that I owe money even after my proof and her being fired for illegal account abuse. I have proof of last months payment, payment of remaining utilities and the sign off of the apt by manger ( XXXX ) after  doing a walk thru of the apt and signing off on saying I didnt owe anything. This company is calling and pretending to be other companies and spoofing my phone number. I will also be making a small claims report if this situation is not handled through this avenue. Please see company and credit report info below : Updated PROCOLLECT , INC Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details

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 2018-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH EQUIFAX, SO I CALLED EQUIFAX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING EQUIFAX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM XXXX SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR XXXX CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT XXXX. I ONLY CALLED EQUIFAX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT XXXX, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!

Company response to consumer: Closed with explanation