vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 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: VA

Complaint narrative:
My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 ) XXXX XXXX XXXX XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) First Progress Card, {$390.00}, ( 8 ) XXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above 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 2019-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPL Recovery Solutions
State: TN

Complaint narrative:
XXXX XXXX from JPL Recovery Solutions has called 2 ex family members asking about me. I want this stopped this is illegal and I never have anyone permission to talk to anyone about me. They are putting my job and custody of my kids in jeopardy. This must stop now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MA

Complaint narrative:
Good Evening - I was going through my credit report and noticed a collection from Diversified Adjustment Services, and when i called them they mentioned that it was a {$130.00} bill from XXXX phone. I honestly don't recall ever had a relationship with XXXX and consider it was a small amount I went ahead and paid it off. However, as I was looking through my credit, I see major discrepancies on the way this particular collections account is reporting on my credit report. Also, I have never received any written notification about this debt and I never had any time of relationship with his company. I honestly paid this account under duress and would like it to be truly investigated and removed from my credit file. One credit bureau shows {$0.00} balance and the other shows {$130.00}, and when I call they mentioned {$100.00} ... .So what is it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Green Square Company LLC.
State: OH

Complaint narrative:
I have received several illegal robocalls, and well as illegal and false misleading, misrepresenting calls stating that I participated in some fraudulent activity concerning a financial institution. I contacted the company and they said they were under new name XXXX XXXX XXXX. I looked up the so-called new company I found nothing such company. I requested validation and was transferred to another rep. then another rep. I never got any direct answers or any website information or FAX or even a email. This company is not licensed to do business in the state of OHIO. They are using bait and switch tactics to get you to pay for an account that is unverified, as well as under dispute for Fraud. PRG has no regard for FDCPA Laws and this company needs to be Stopped PRG AKA XXXX 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 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received form XXXX from Coinbase, Inc. and the form shows excessively inaccurate transactions proceeds of {$770000.00} for the year of XX/XX/XXXX. My own records for all sales proceeds in XX/XX/XXXX only add up to about {$110000.00}. I also used the reporting service from a company named XXXX XXXX, which is contracted by Coinbase itself, to get an official tally of all my XX/XX/XXXX transactions. Their reported gross short term proceeds for XX/XX/XXXX from my Coinbase Pro is {$110000.00}. I immediately contact Coinbase customer service department and they told me I need to submit my complaint via email. I did so and got a case # XXXX. About a week later, the case got closed with no solusion offered. I opened another case # XXXX, and I was informed that my case had been forwarded for review. A few days later, I got a notification that the case has been resolved, but did not specify how, and what I would receive from the company. Therefore, I had to open the third case # XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a similar notification like the last time stating that the issue had been resolved and the case was now closed, and nothing further could be done. After the third attempt, I didn't know what to do because their customer service representative will not discuss about my tax form over the phone, and submitting request for review of my transactions via email didn't take me any where. I would really appreciate if you can help get the company to respond to my complaint, because I have been losing sleep and very stressful because I'm afraid this will create a big problem for me with IRS. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: PA

Complaint narrative:
XXXX XXXX XXXX loan is paid off closed. There is no balance of {$3300.00} dollars owed

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 2019-02-14 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: VA

Complaint narrative:
My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 )  XXXX XXXX XXXX XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) XXXX XXXX XXXX, {$390.00}, ( 8 ) XXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX  XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above 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 2019-02-14 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: VA

Complaint narrative:
My identity has been compromised so I disputed the many unauthorized accounts on my credit report. However, the 3 major credit bureaus response was account been verified. Now in this complaint I'm requesting the Method Of Verification, who verified it, what date, what time, inwhom did they talk to, and where's the physical documentation as stated in the FCRA, inwhich as a consumer and a victim of fraud I'm entitled to. The following accounts I'm requesting this information for are as following ( 1 ) XXXX XXXX, {$860.00}, ( 2 ) XXXX XXXX XXXX, {$1200.00}, ( 3 ) XXXX XXXX c/o XXXX, {$1500.00}, ( 4 ) XXXX XXXX XXXX, {$6200.00}, ( 5 ) XXXX XXXX, {$740.00}, ( 6 ) XXXX XXXX {$740.00}, ( 7 ) XXXX XXXX XXXX, {$390.00}, ( 8 ) XXXXXXXX XXXX XXXX, {$0.00}, ( 9 ) XXXX XXXX XXXX, {$0.00} ... .. Again, I'm requesting the Method Of Verification, and/ or block and remove all the above accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good Evening ; I dont understand how you are continuously able to verify this account! I dont recall ever being associated with this company that is unknown to me. Also, Im a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. I'm not an expert on this, but I'm sure this is a violation either under FRCA or and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Dear Sir, Madam Once in a while, I used Money Gram 's express payment service to pay my car financing company. So, I did again on XX/XX/XXXX. I went to XXXX and paid to have a Money Gram express payment sent to my financing company. This company did not get paid. So, I set up a payment arrangement with it and headed, about mid-XXXX, to XXXX to get a refund of the {$360.00} ( before taxes ) that I sent to the financing company. I could not find the receipt, and did not have my phone with me. So, XXXX  offered me to use its phone to talk to Moneyram ; which I did. The gentleman at the other end of the phone told me that because I did not have my receipt, tough he found record of my transaction, the refund will be available to pick up at XXXX   only after 10 days from that middle of XXXX when I spoke to the Moneygram 's gentleman on the phone. So, on the XXXX of XX/XX/XXXX, I called MoneyGram to make sure that the refund was processed. The Money Gram 's representative told me that it was not done yet, but by the XXXX of XXXX, I will be able to pick up my refund at XXXX. On or about that date, I called MoneyGram again. This time the person who entered the phone told me that I should not have included week-ends in my computation. ; that instead to expect the refund on the XXXX of XXXX. So, today, I called again and was told to call in 3-4 days. Then, I thought to myself that something must be very wrong. I tried to reach Corporate office ; left a message, sent another one ; tried to chat. The lady at the other end of the chat, XXXX, wrote that she was not able to help me., without giving me any reason. So, my suscipions only grew. I have already noticed that MoneyGram 's automatic answering machine was not able to recognize the reference number on my receipt, each time I called. I have been doing business with MoneyGram for more than 10 years, I believe, and nothing like this ever happened to me. So, I am asking for your help, to, please get my money back. I thank you for your time and attention. Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: PA

Complaint narrative:
XXXX XXXX XXXX loan is paid off closed. There is no balance of {$3300.00} dollars owed

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 2019-02-14 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: PA

Complaint narrative:
XXXX XXXX XXXX loan is paid off closed. There is no balance of {$3300.00} dollars owed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I reviewed my credit report and noticed a {$41000.00} charge of from XXXX XXXX XXXX XXXX. I immediately disputed this account with each Credit Bureaus and XXXX. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with XXXX due to being approved for a Car Loan through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by XXXX XXXX XXXX and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to XXXX XXXX XXXX XXXX. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way XXXX was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/2018 which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the XXXX, XXXX XXXX and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although XXXX responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I reviewed my credit report and noticed a {$41000.00} charge of from XXXX XXXX XXXX XXXX. I immediately disputed this account with each Credit Bureaus and XXXX. Each Credit Bureau responded with the account being verified as accurate, but the actual creditor NEVER responded to my validation request. I am familiar with XXXX due to being approved for a Car Loan through Dealership XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. They advised me the loan would be furnished by XXXX XXXX XXXX and that the documents would come in the mail for me to sign and return. The documents came, I signed the loan documents and a check that was made out to both me and the Car Dealership. I signed the check as well, and mailed both check and documents back to XXXX XXXX XXXX XXXX. I spoke to someone at the Dealership in which name I did not document ( due to I NEVER thought I would be experiencing this issue ) and they advised me that the check was received by the Dealership, and my car would be delivered within 72 hours after maintanence and detailing. Long story short, I NEVER received a car, No car was EVER delivered to me, and I never took possession of ANY car!! I was in the process of refinancing my home so I ran my credit report, and to my surprise there was a {$41000.00} Collection/Chargeoff reporting on my credit report. I Never received any kind of payment notification, past due notice, or any notification of this account even opened. I live in the same address for over 10 years so there was no way XXXX was unable to reach me at the same address they sent the documents for signature. They are also reporting a payment on that I made in XX/XX/ which is definitely Inaccurate because I NEVER MADE A PAYMENT TO THIS ACCOUNT! 
Back to the Credit Bureaus, how are they verifying this account as accurate? Did they even investigate? I sent a second letter to each bureau advising them that the collector did not respond to my validation request, and demanded the removal of this account from my credit report. I attached a copy of the certified receipt as proof that the request was sent to the XXXX, XXXX XXXX and XXXX XXXX XXXX. They again, advised that the account was verified as accurate although XXXX responded with they dont own the account but it is still reporting on my credit report ( I sent proof of this as well ) XXXX XXXX XXXX NEVER RESPONDED TO MY VALIDATION REQUEST. Per the FCRA that is grounds for removal automatically ( Proof was submitted of this to the bureaus as well )

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 2019-02-14 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: VA

Complaint narrative:
Synchrony Bank converted the H.H. Gregg store credit card to a Home card where you can purchase furniture and home goods. My payments are not being processed correctly and I continue to pay on small non promotional amount from over two years ago that is not going down even though I am making large payments and they aren't all going to my promotional balances. My payments are disappearing. The bank is shady and will close your accounts if you complain.

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 2019-02-14 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: LA

Complaint narrative:
please delete the accounts, I am not the owner of the accounts. I wrote letters to credit bureaus asking them to provide evidence but they did not supply it. CFPB remove the accounts asap XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX   XXXX, XXXX ( Original Creditor XXXX XXXX XXXX HOSPITAL  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX , XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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: LA

Complaint narrative:
Please delete the accounts, I am not the owner of the accounts. I asked the credit bureaus to provide evidence, but couldn't supply it. CFPB remove the accounts and tell these companies to be more careful on how they handle their reporting..XXXX   XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX   XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 6043**, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX 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