vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
XX/XX/XXXX -- requested information/documentation of Western Union transactions that I sent to ONE person. 

XX/XX/XXXX -- called to see why it has n't arrived. They told me that after all this time, it will take 21 additional days to process this simple request. I told them this is for an id theft/fraud prosecution and they STILL told me it would take 21 days to even e-mail me the requested information. 

I now must attempt to plead with the investigator of my case to subpoena this infomation from them before the id thief leaves town. I am a 2 time XXXX XXXX veteran and I got no cooperation!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: NJ

Complaint narrative:
After the Equifax data breach, I wanted to place a security freeze on my wife and my Equifax credit reports. I could not place these freezes online as the Equifax web site credit freeze app was non responsive. So I downloaded and printed out the credit freeze forms that Equifax provides for this process and I completed these on behalf of my wife and myself and submitted them via certified mail as Equifax requires. 

Subsequently, we received no response from Equifax with the usual PINs needed for the temporary future lifting of a credit freeze should that become necessary. I had successfully placed freezes on our XXXX, XXXX, XXXX and XXXX  XXXX receiving the required acknowledgements from all the latter. Only Equifax continued its sub-par performance by failing to confirm our freezes were in effect. Furthermore Equifax provides no obvious telephone contact number for consumers who may need to contact them. This kind of poor communication is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I wire transfer {$25000.00} from my XXXX XXXX XXXX account into XXXX XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX has acknowledged that they have accepted wire and they have also confirmed with me that they received the wire and have sent the funds in the amount of {$25000.00} to Coinbase. 

On XX/XX/XXXX, I called Coinbase and spoke to a representative. Representative had no clue about a wire transfer and advised that the only way to escalate this matter was to email them at XXXX On XX/XX/XXXX, I emailed Wire Support ( XXXX ) and so far I have not received a response back. 

Their website indicates same-day delivery if funds are wire transfered by XXXX, which my funds were wire transfered at XXXX on XX/XX/XXXX. 

I would not panic if they would respond to my emails, but after reading online threads I feel very terrified that they been doing this to a lot of people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
This was reported and paid under travel restriction by XXXX credit card back in XX/XX/XXXX or prior debt recovery solution insist on reporting credit or debt knowingly it was identity theft I again paid to debt recovery solution today asking to remove from credit bureau I was XXXX when debt was accrued I need to restore my life and remove from all bureau spoke to XXXX they indicated they have no interest in this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a Goodwill letter to the CEO of Capital One asking for a late payment on XX/XX/XXXX to be forgiven. In this email I did explain my family had been impact by Hurricane Harvey and I had been traveling back and forth. I was so focused on my family at the time that my payment had slipped my mine. I was no more then 30days late. I was also having problems at the time with the app and being reminded through the app about my payment due date. I spoke with XXXX on XX/XX/XXXX and she advised me they had received my email and wanted to see what had happened at the time my payment was missed. I explained to her my story and she told me she would get back with me. On XX/XX/XXXXI spoke with XXXX again and she told me there was nothing Capital One could do to change how my XX/XX/XXXX payment was reporting to the Credit Breaus. I asked XXXX to relook into their decision. I also sent a Goodwill letter certified on XX/XX/XXXX.  I have been a valued customer of Capital One and this is my 1st missed payment. I also advised on the email that I am in the process of trying to get a mortgage and this one late  payment on my credit is affect me getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: Convergent Resources, Inc.
State: SC

Complaint narrative:
I sent out a letter to XXXX XXXX XXXX on XX/XX/XXXX about a XXXX cell phone balance, to validate the debt they claim I owe with any formal agreement or contracts or to remove this debt off my credit report. They have been reporting to my credit report for years that I owe {$350.00}. I have NEVER had a XXXX as my phone carrier service. On XX/XX/XXXX I got a letter back from them sending a bill of the amount owed. But again I never had any service with them. And a bill does not validate or truly verified I owed them. They refuse to send any agreement or contracts. And I ask them to stop reporting if they cant send me a contract or some kind of agreement. Someone had to had this cell phone in my name. After research I was told I can file a complaint. I just want this to be remove off my report because it is unfair to have something negatively reporting on your credit that you have no knowledge of.

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 2017-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Back in XX/XX/XXXX I was laid off my job and I lost everything from my car, to my house. I called into XXXX XXXX explain this issue. XXXX XXXX claim to have been understanding but still demanded payment when it was due. I struggled all year to get on my feet. I am a single mother and its not easy to lose everything and have kids you have to still feed, house and clothed. I started a part time job and gave what I can just to pay my credit line on time while trying to get back on my feet but it was until XX/XX/XXXX, I found a fulltime job and was actually on my feet. 

I have reach out to XXXX XXXX in XX/XX/XXXX to see if out of goodwill they would be kind to remove the late payments on my credit report due to my hardships and they stated they cant and that they will place a disagreement code on my credit report. I have been with this company for 3 years now. It just shocks me that they are not understanding of serious situations their customers endures at times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
This company Fair Collection and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX could not verify a invalid debt that was put on all three of the credit agencies preventing me from obtaining housing and credit to better my life. They couldnt verify the debt.

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 2017-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment

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 2017-11-23 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: TN

Complaint narrative:
Equifax is not deleting inaccurate information from my credit report. There was a medical collection placed on my credit file that should not have been there. I called the medical provider as well as the collection agency ( XXXX XXXX ) and the issue was resolved. I spoke to the collection agency at the end of XX/XX/XXXX, and they stated they would submit the account to be deleted from my credit reports on XX/XX/XXXX. I waited 30 days, and contacted the collection agency again because the collection was still showing up on my credit report. They stated they submitted the request for the account to be deleted on XX/XX/XXXX and to wait a few more days. So, I waited until XX/XX/XXXX, and I called the collection agency again and the rep stated the same thing, they submitted the request to have the collection removed on XX/XX/XXXX, and went ahead and sent it again on XX/XX/XXXX. So, I called Equifax on XX/XX/XXXX. Spoke to 3 different reps, the first one was unable to assist me. The 2nd representative who was a US representative was VERY RUDE ( she did not state her name ) nor did she even ask me what account I was calling about, I told her a collection account was submitted to be deleted and it is still on my credit report, she put me on hold for several minutes and got back on the phone and stated nothing was submitted to be deleted. She did not even know the specifics of my inquiry. VERY UNPROFESSIONAL. I asked to speak to a supervisor and the so-called supervisor ( XXXX ) and asked for the previous reps name, he stated he did not remember her name. I filed a complaint with him and left my phone number and never received a call back nor has my issue been resolved. 

The collection account is still showing up on my credit report and it has been almost 2 months since it was requested to be deleted. The collection agency sent me a letter confirming that they submitted the collection account to be removed from all three credit bureaus. I have attached the letter from XXXX XXXX. 

I 'm not sure what the deal is with Equifax but the collection account for XXXX XXXX listed on my credit report NEEDS TO BE REMOVED IMMEDIATELY!!!!! Do not respond and state you launched an investigation and that I have to wait 30 days. That is UNACCEPTABLE SINCE I HAVE ALREADY WAITED ALMOST 60 DAYS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Paid charge offs and requested deletion of closed accounts with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Yup sure, since last 10 days my account is temporarily disabled i did go on XXXX and do XXXX to XXXX sending 5 time emails 2 time called on help line support still no response in my account XXXX $ usd .my whole Bussiness is stuck because of coinbase just give me answer how to re open my account .... thanxs to read me ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
{$460.00} was charged to my account this month when I tried to close my Wells Fargo account. There is a savings account that Wells Fargo opened in my name that I have not ever been able to access. When this account is used to pay for overdraft fees for my checking account there is a {$12.00} charge to use the money. I am a XXXX XXXX person that has been taken advantage of by Wells Fargo. Wells Fargo has been charging me outrages fees since I opened this account and every time I have tried to close my account they have made it impossible.

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 2017-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, 2014 ( 3 yrs, 5 mos ), {$710.00}, XXXX XXXX XXXX Never respond back to my letters. Because I have never been to this hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: FL

Complaint narrative:
Hi my name is XXXX XXXX i had a operation in XXXX XXXX  2016. In XXXX XXXX XXXX zip XXXX.I paid some bills up front and am paying off others.After the first time i saw this on my credit report i called XXXX XXXX and they said they never put anything in collections. I paid off the XXXX bill have a receipt. I am paying off doctor and hospital bill.So i believe this is an attempt to collect money i do not owe. This is bringing my credit score down, you can see i have a good score i worked hard to get it back to where it is at .And i do not appreciate it. I never got a bill telling me what this is supposedly for, so i would appreciate your help .Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX XXXX, 2014 ( 3 yrs, 5 mos ), {$710.00}, XXXX XXXX XXXX Never respond back to my letters. Because I have never been to this hospital.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
Payment was made over the phone But for some reason reported it as a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX ( 3 mos ) {$920.00} XXXX XXXX XXXX ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!

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 2017-11-23 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: NJ

Complaint narrative:
Payment was made over the phone But for some reason reported it as a late payment

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 2017-11-23 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: NJ

Complaint narrative:
Payment was made over the phone But for some reason reported it as a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: NJ

Complaint narrative:
Payment was made over the phone But for some reason reported it as a late payment

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 2017-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
XX/XX/XXXX ( 3 mos ) {$920.00} MIDWEST RECOVERY SYS ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my Trans Union/XXXX/XXXX credit report immediately. See Attached document as documentation

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 2017-11-23 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: GA

Complaint narrative:
Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXX Filed : XX/XX/XXXX Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XX/XX/XXXX CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/XXXX/Equifax credit report immediately. See Attached document as documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Public Records-State Tax Lien XXXX County Circuit Identification Number # XXXXDate Filed : XX/2017 Claim Amount {$8800.00}. This information should not be reporting on my credit report due to XXXX 2017 CRA credit reporting guidelines that any public record must contact DOB and SSN ; this public record lacks this information and should be deleted from my XXXX XXXX/Experian/XXXX credit report immediately. See Attached document as documentation

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 2017-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
1 On XX/XX/XXXX I made an International transaction from XXXX XXXX XXXX to Bank of America to a beneficiary account for XXXX 2 Despite a delay, Bank of America confirmed the deposit of monies. 

3 This money according to BOA was paid into Beneficiaries account. 

4 Beneficiary Confirmed the money had not been paid into account. 

Lots of emails correspondence to date. 

5 I asked for my money to be credited back to my account 3 weeks ago and to date no action 6 XXXX XXXX XXXX claim money left XXXX - I have an audit trail of this. 

Bank of America claim money in beneficiaries account. 

Beneficiary no knowledge of monies either in account or statement. 
Bank of America trying to contact beneficiarys to return monies unable to do so without their consent. 

Both Banks seem to have decided they have done their bit Can you help please seems a very fragmented process with no clear way to a solution and return of my monies.

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