vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-02 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.

Complaint narrative:
Equifax is reporting 4 Fraud/ID theft accounts and even with a police report and supporting documents they will not remove and or block them. These accounts were removed in the past and or now begin re-reported!! The following accounts are fraud!! 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX   XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX contact XXXX who is a Collection Department/Attorney/Agency who threatened to put this particular debt and another on my credit after I told them that I do not know who they are, I do not have an account with them and NEVER had an account with them. I have seen at least XXXX times in 1 month where they have attached derogatory remarks and collections to my credit which i'm sure is illegal. I have attempted to dispute the information which is damaging my credit. I am filing an official complaint because my debt was sold to this agency from Florida XXXX XXXX, which I never received an invoice or bill for {$560.00}. I explained that to them on a line i record and now my credit is being damaged and i never even knew i owed them until recently! I have a copy of the credit report where they are putting derogatory remarks and collections on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: NY

Complaint narrative:
Updated tradeline XXXX XXXX XXXX XX/XX/XXXX BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD N/A Account closed by credit grantor Bankruptcy XX/XX/XXXX XXXX XX/XX/XXXX THIS ACCOUNT WAS NOT CHARGED OFF AND NOT CLOSED BY CREDIT GRANTOR ... ... THIS ACCOUNT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY AND HEREFORTH DISCHARGED UNDER THE FEDERAL BANKRUPTCY CODE. PLEASE ADJUST YOUR RECORDS ACCORDINGLY TO REFLECT THIS ERROR.

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 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.

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 2018-02-02 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: MI

Complaint narrative:
I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to XXXX XXXX. When I turned the vehicle in, the balance was and had always been paid in full, except when XXXX refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to XXXX but they are still reporting a negative account on my 3 Credit Bureau Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.

Complaint narrative:
Since XX/XX/XXXX, I have been requesting COINBASE to transfer my digital ( crypto ) currency from out of their 'vault ' secure storage into my checking account ( also with them ) as I wanted to withdraw the same. This should have happened within 48 hours. On XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX and XX/XX/XXXX, I I Direct Messaged them on XXXX ( via XXXX XXXX  ) asking for someone to reply / respond / take up my case. I received no replies from them. On XX/XX/XXXX and XX/XX/XXXX, I emailed them about the matter after trying to call them ( using their no-help customer support line ). I finally received a reply on XX/XX/XXXX giving me advise on what to do to make the vault withdrawals happen. After following their instructions and reverting to them the very same day to say my transactions were still not happening, I heard from them on XX/XX/XXXX saying there was a technical issue and that a specialist would be looking into it. That was the last time I heard from COINBASE!!!. No amount of follow up emails have been responded to.

This is very shoddy operating practices being exibited by COINBASE and is completely unacceptable. They should not ignore customer requests not matter what their excuse is.

I urgently need your assistance in getting COINBASE to meet and properly complete my requests as they have caused me financial hardship. Their complete disregard and disdain towards customers should not be allowed to go unchallenged

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
I have contacted XXXX XXXX XXXX on two occasions to resolve this inaccurate reporting to the three credit agencies. I have requested validation of this debt ( disputing the companies claim ). My two letters have gone without being answered which has equal to 60 days total.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Picked up said " hello? '' a man responded " hello? '' I said " hello? '' again and he said something I couldn't quite make out to the effect of " picked up phone. '' which indicates the use of a computer diler. 

I stated that I did not identify the debt and do not believe I owe the money also told the rep that she was calling my cell phone I she does not my consent to keep calling it. 
I Also requested that proof of the debt be mailed to me and to stop calling my cell phone. 
She continued her attempt to collect and I asked why was she ignoring my requests she then proceeded to tell me that if I wanted the company to stop calling I would have to sent a written request which I do not believe to be true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
i was told by refinance company that 3 credit burears reported that iam XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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:
I have several fraud accounts that have popped up on my credit report. I have been the victim of on going ID Theft for some time now. I have sent Experian police reports aswell as other supporting documents. The following accounts are fraud and do not belong to me. Please removed and or block the following due to fraud! Thank You 1. XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX 4. Inquiry XXXX XX/XX/XXXX 5.

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 2018-02-02 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: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
XXXX XXXX or XXXX XXXX will not change the status of an account showing to be paid off instead of written off they took the money from my check and for some reason XXXX XXXX, XXXX, and XXXX   will not fix this other then saying they investigated and left it on my report as a negative status, i have the court papers and garnishment papers from my place of employement showing that they received this money also my pay stubs. these credit reporting companies do not care to listen to the consumer it is all about the companies lying to them saying that the status is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have found inquiries on my credit report that were not authorized by me and i have contacted the companies to remove the inquiries from my credit report. And they have not contacted me in regards to this matter and I'm demanding the credit bureaus removed the unauthorized inquiries from my credit report and update my credit report.

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 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I can't reach a customer services rep whenever I call Experian to talk about my credit report. I'm prompted to mail in any questions that I have concerning the items on my credit report. This is unacceptable. Experian does not allow me to speak with operator regarding my credit file over the phone.

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 2018-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase locked me out of my account for more than a month and does not allow me to even close the account.

I opened Coinbase account on XX/XX/XXXX, and bought total of {$6000.00} bitcoin. Then in XX/XX/XXXX, Coinbase started requesting additional authentication by first requesting the photos of my driver license. I tried more than a dozen times over the next several weeks to do this with no success. Ive been locked out of my own account ever since.

Then it requested the XXXX   authentication, which still didnt work even if I again tried for many weeks at different times until now. My XXXX authentication works well everywhere else.

I have sent many complaining e-mails during the past month but received only what appeared to be a computer generated generic responses. Frustrated and suspicious, I have demanded that Coinbase simply close my account and return the balance but Coinbase wouldn't even allow this by saying that I need to log in and close the account myself. How can I do this when the very reason I want to close the account is the inability to log in? Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has several erroneous items listed on my credit report and I'm convinced it's because they have me mixed up with someone named " XXXX XXXX. '' My name is XXXX XXXX - always has been. I've never had any other name. 

When I try to login to their online disputes process, most of the security questions do not apply to me. I'm asked about accounts / monthly payments that I do not have, which again, further indicates that Equifax has me mixed up with someone with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Great Lakes Capital Management, LLC
State: AZ

Complaint narrative:
I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today,XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with XXXX XXXX. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : XXXX XXXX Total Balance : {$1200.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have problum with PNC bank auto department. last month XX/XX/XXXX, I call about payoff amount they told me {$14000.00} which they took from my acct XX/XX/XXXX I told them please cancel my auto debt from my acct, They told me we cancel auto debt, XX/XX/XXXX they took {$5000.00} again from my acct, I call pnc bank they told me by mistake we took but we will reemberse XXXX back to your acct today XX/XX/XXXX I call them do you send money but their answer it will take another 7 days to send ck, is it fair when we owe bank they charge interest every day so their mistake we suffer to get our own money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings
State: MO

Complaint narrative:
About 6months-1year, I went to speedy cash to obtain a loan, received {$2400.00}. 
Since then til current I have paid them back in the total amount of {$3600.00} and XXXX XXXX XXXX is still allowing them to freeze any amount of my hard earned money at any time, I have done all procedures with the lender speedy cash as my bank by paying for the stop payment thru both my account as my card, various times. Still to this current day my bank is allowing them to still freeze and take funds out, I need urgency of help and getting my funds put back in my account, currently 3 days ago they allowed speedy cash to freeze {$580.00} and XXXX XXXX XXXX won't put my money back to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Guitar Center Gear Card, managed by Synchrony Financial, shown in " contact us '' as : XXXX XXXX   XXXX. XXXX XXXX XXXX, FL XXXX I made an online payment of {$1500.00} to my store card on Monday XX/XX/XXXX. I have a pending purchase at my local Guitar Center for about that same amount, yet today ( Friday XX/XX/XXXX ) those funds are still not showing as " available to spend '' when I check my account online. I called and spoke to a Synchrony Customer Manager, who told me there's nothing she can do about it, that there's a 10 day hold on that payment - even though those funds cleared my bank on Tuesday XX/XX/XXXX (! ). She told me she agreed it is unethical, but she simply said she has to do what Synchrony Financial tells her. She told me that in the fine print under " Payments '', Synchrony states that they may hold payment funds, but they do not specify how much and/or for how long ; i.e., 5 days for smaller amounts, 10 days for larger amounts, etc. This is unacceptable.

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 2018-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I was contacted yesterday, XX/XX/XXXX, by a company named XXXX XXXX XXXX XXXX claiming i was going to be served papers today, XX/XX/XXXX, on an account that went delinquent in XX/XX/XXXX if I did not agree to take action immediately. Since XX/XX/XXXX, I enlisted in the XXXX XXXX in XX/XX/XXXX. During my service, I underwent an investigation to obtain a security clearance and was forced to take care of all debt on my credit report. To the best of my knowledge, I had 3 accounts that I called and settled. None of those accounts were this account that I'm being sued for. I was able to obtain my clearance meaning my report was cleaned up and I was out of delinquency in all accounts. I got out of the XXXX in XX/XX/XXXX and have since then purchased two vehicles and a house. None of these transactions reflected a delinquent account with US Bank. I was unaware of this 'delinquent ' account until yesterday and feared being sued in court. I agreed to set up a payment plan with the first payment being withdrawn from my account in 2 weeks, XX/XX/XXXX. I do not know what to do at this point. I feel as though this is a scam to collect an expired or time-barred debt. 

Original account number : XXXX Original Creditor : US Bank Total Balance : {$1200.00}

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 2018-02-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
Almost 10 years ago we did a short sale and sold our house in XXXX - XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. This was our primary residence. There was a temporary law in place where a homeowner was not penalized for the debt forgiven. I received the attached document showing the identifiable event occurred on XXXX-17. Ocwen keeps harassing us every 2 years about this and now they have sent a XXXX Every two years we have to show them the debt forgiveness paperwork from the closing. The original mortgage company was XXXX XXXX XXXX XXXX and Ocwen must have bought them out. As an FYI - we also had a mortgage with them in XXXX which was paid in full and we have since sold that house and moved to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02 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: Westlake Services, LLC
State: TX

Complaint narrative:
west lake paid in full still showing on my credit report cra violation inaccurate information

Company response to consumer: Closed with explanation