vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX/GAP/TJ max, JC Penny, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the hell that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor nor this debt collection agency and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

The account XXXX XXXX for {$950.00} with the balance date ( XX/XX/XXXX )??!?!?!?! And Kohls/XXXX for {$600.00} I have never had a Kohls account nor have I opened a card or left a balance of anywhere near {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: PMR Progressive, LLC
State: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with PMR Progressive which is from XXXX XXXX XXXX? I have only ever had service through DWP ( dep. water and power ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Old child support that showing up on credit report. 

XXXX XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX XX/XX/XXXX ( 15 yrs, 2 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: Credit Karma, LLC
State: TX

Complaint narrative:
I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via Credit Karma, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. 

I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report, also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud reports with them. 

TD/XXXX ( paid in full ) charge off, I have never had a XXXX card and refuse to shop there! Complete and utter fraud. Along with XXXX XXXX which is from XXXX XXXX XXXX? I have only ever had service through XXXX ( XXXX XXXX XXXX XXXX ), I do not nor have I ever had XXXX XXXX XXXX and want this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
To whom it may concern : My name is XXXX XXXX. On XXXX XXXX, 2017 I sent several certified letters over to each of the creditors and credit bureaus and you have yet to correct the error account that you are reporting on my credit profile. You continue to send me a bogus verified code account. I am unaware of the accounts listed below and have no knowledge of the accounts. I have never applied for any of the accounts. I have no idea, credit cards and have never applied to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX & XXXX XXXX At this point I am fed up and I am distressed. My only result is to take legal actions, I remained professional through out this situation and Ive sent in certified documents hoping that you guys would correct the error in respect to violationg my rights within The FCRA. I am only left to contact the attorney generals office in XXXX XXXX County, also File a police report against your company for using my credit profile and placing error accounts on my profile without my consent and this isnt the first time that you have done this to me. At this point I am fed up and in distress with the XXXX that you are causing. You have caused me so much problems and I will make sure you pay the consequences and court fees of {$10000.00} in court fees for violating me through the FCRA, placing error accounts on my credit file and other violations. At this point this is my final attempt to resolve this issue out of court. If you feel that I am wrong please feel free to provide me with all the necessary steps, documents used to determined that this debt is for me and I am liable for it. Please provide me with the necessary information and detailed copies of the paper work and documents. Thank you please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: TX

Complaint narrative:
I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via XXXX + XXXX on my TransUnion, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my TransUnion dropped 25 Points to a 515 ; and My XXXX dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.

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 2018-01-23 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: TX

Complaint narrative:
I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My Equifax dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Ceannate
State: AL

Complaint narrative:
XXXX XXXX XXXX has sent me a letter from the University XXXX XXXX about 3 courses that I completed which they said never got paid for and I owe a balance of {$4600.00}. These 3 courses were paid for with my financial aid that I received around XX/XX/2017. I 'm in the process of transferring to a new school, and I was told by student adviser that if I had a past due balance that they would not send my official transcript. But they did send my transcript to my new college that i 'm applying to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: GA

Complaint narrative:
Equifax needs to delete and remove the following fraudulent accounts immediately from my credit report. Equifax has violated my rights as a consumer. I will be taken legal actions against Equifax if these accounts are not deleted within four days : 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Ive spoken to several RUDE representatives since Ive been dealing with this company for 9 months. Its unbearable! I make my payments every month they may be a couple of days late, but never too severe for the treatment that I get when speaking to someone over the phone, it makes me angry to even call in every month to make my payments, if the store wasnt so far I would just drive there to make my payments. My other concern is that Im making my payments, but my balance is increasing and when I call in to find out why theres the attitude Im getting from the representatives. Im stuck and I dont know what else to do. I just received an alert from my credit advisor and stated that my credit balance has increased by {$100.00} which has gotten my credit utilization up and its stating that my account is 30-59 days late which has now dropped my credit score. I am in the process of buying a home and this is going to hinder me from moving further. Its causing an emotional toll on me and its financially straining me. Im at the point of turning this over to my attorney to have him further investigate ALL of my issues and having him subpoena ALL of the calls and pursing legal actions against them. I just made a payment of {$85.00} and Im not understanding how my balance is still increasing. I am giving this 30-days to handle this situation, if not I will be forced to pursue with legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
The complaint is about www.coinbase.com. I am XXXX XXXX citizen. In the XXXX they are registered as : XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX They are a platform which supposedly allows the purchase of virtual currency against XXXX or USD. Their process is such that an amount is sent to them via Credit card or bank transfer ( XXXX in XXXX ), then you see the money in your account and can buy virtual currency if you want to. 

On XX/XX/XXXX I made a XXXX bank transfer of XXXX XXXX to the XXXX XXXX and XXXX given to me by XXXX. Two business days later the amount was still not visible in my coinbase account, so I submitted a request to their support team. Later that day I got a vague email ( an automated response ) that they are working on my case and others. No further response ( its been now 11 business days since the transfer was made ). I have send multiple responses to this email, and there is virtually no response from them ( I feel that 8 business days is more than reasonable )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WA

Complaint narrative:
I received a notice of letters in my XXXX paperless inbox around XX/XX/XXXX and found two notices, which led to this chain of events. 

XX/XX/XXXX : XXXX notice to recertify IBR XX/XX/XXXX : XXXX notice that I did not respond or select a repayment plan. 

XX/XX/XXXX : I filed the IBR payment plan request on XXXX and submitted the certification on studentloan.gov. I have zero taxable income and have not filed a tax return in many years. 

XX/XX/XXXX : FedLoan notice that my request to be removed from IBR and placed on a standard plan had been received XX/XX/XXXX : FedLoan notices about the new terms and that I must make a payment before my transfer to the standard plan could be completed. 

XX/XX/XXXX : I used the XXXX contact and alerted them to the fact that the notice they just sent was in fact opposite to what I submitted and that I want to remain on IBR. I received an email confirmation that they received my request, but no other reply. 

XX/XX/XXXX : XXXX email that my monthly billing statement was availble. 
XX/XX/XXXX : I used the XXXX contact form to again alert them to the issue and received a confirmation email, but again no reply. 

XX/XX/XXXX : XXXX has re-sent the monthly bill notice. 

I 'm filing this complaint after having a quick internet search and seeing a lot of other people dealing with shady practices from XXXX. At the very least I want to establish a record that I have been trying to address this issue outside of the XXXX website ( which does n't give me a record of the correspondence I have sent except the email confirmation that 'something ' was received ). This whole thing looks like some kind of trap to get me to make a payment to get me off the IBR plan. Besides not having the money to make the payment, according the letters I have received, doing so would effectively 'seal the deal ' to remove me from IBR ; hence, I have no intention of getting someone to make the payment for me either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have two XXXX XXXX in my possession. One XXXX XXXX is an individual account, which is correctly being reported to Equifax report. The second XXXX XXXX is an authorized user account, which is not reported to Equifax report. I have verified that the authorized user XXXX XXXX that is being correctly reported to XXXX and XXXX, however, Equifax fails to report this authorized user account. I also I call XXXX XXXX and they told me they are correctly reporting to Equifax and just like they are reporting to XXXX and XXXX. 

I requested Equifax four ( 4 ) times to please verify on your end to correctly report the XXXX XXXX authorized user account with {$1200.00} dollar credit limit. I have been trying to correct this for almost 5 months now. All they do is send another report without correcting anything.

Company response to consumer: Closed with explanation