vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I had a CD with XXXX XXXX, that was transferred to XXXX XXXX. I was told everything would remain the same, and for two years it did and I was very happy with them. This happiness induced me to open two more Cds with them for a total of three. The latter two CDS were opened with Goldman Sachs. My problem began when they began Using XXXX/Goldman Sachs and transferred these cds to them My problem began when in XX/XX/XXXX they changed my user name to my email address, without any authorization, and will not let me log in without sending to my email address a pin every time I want to Log into my account. I have complained to them numerous times about this problem. 

Today I filed another complaint with them and this time I insisted on a case # XXXX, with a person who said his name was XXXX who refused to provide his last name or employee ID # who said he worked in the XXXX XXXX XXXX Utah office. On the other occasions I complained they sent no written correspondence to say the complaints had been received. Today I requested a copy of my complaint and case # be sent to me. I was told sorry they can not do that. There is simply something very wrong with this situation. 

This use of email address as a user name and forcing people to accept this and logging into a site that is not secure like a bank is supposed to be is absolutely absured and not what I agreed to when these accounts were opened. 

Email can be hacked thus exposing my information to anyone that would hack or intercept an email. I DO NOT WANT MY BANK ACCOUNT NAME TO BE MY EMAIL ADDRESS, It then would let the hacker get not only information to these accounts but all linked accounts. I feel very unsafe with this institution, before they were very nice and responsible now they are HORRIBLE. Even their customer service and accessibility sucks too now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I HAVE REQUESTED FROM COMPANY BY NAME OF ( PORTFOLIO RECOVERY ) TO REMOVE INACCURATE INFORMATION FROM MY CREDIT FILE. THIS COMPANY HAS FAILED TO PROVIDE ME WITH REQUESTED INFORMATION TO VALIDATE DEBT. I HAVE REQUESTED TO BE PROVIDED WITH A COPY OF THE ORIGINAL SIGNED CONTRACT AS WELL AS WHAT IDENTIFICATION WAS USED TO OPEN CLAIMED ACCOUNT. THIS COMPANY HAS NOT PROVIDED ME WITH ANYTHING TO VALIDATE DEBT. HOWEVER, CONTINUES TO REPORT INNACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
On XX/XX/XXXX, Chase bank abruptly locked me out of my account access and did n't provide any justification over the phone. Chase customer service representatives forced me to drive to a local branch for ID verification where Chase staff only said " our detection system is too sensitive '' and no other justification was provided. Account access was restore after ID verification. However, on XX/XX/XXXX, account access was blocked again without advance notice. This practice is outrageous and abusive. I 'm certain that my experience with Chase is not alone. Although I will not be a Chase customer any longer, I think their practice merits a thorough investigation by CFPB to protect other consumers from being abused by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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:
XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern

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 2018-01-17 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: MO

Complaint narrative:
I contacted the credit service Trans Union to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off 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 2018-01-17 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: FL

Complaint narrative:
On X/XX/2018, XXXX made an unauthorized hard credit pull on my Equifax credit report.

Contact information : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Phone ( XXXX ) XXXX.

I do not have an account with XXXX and I did not attempt to open one.

I filed a dispute with Equifax and notified XXXX directly and no one has corrected this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX . refuses to remove inaccurate negative remarks from my credit report after my repeated attempts to have them corrected.

On XX/XX/XXXX, I opened an individual credit card account ( acct ending XXXX ) with XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX, ( XXXX ) XXXX ) with a credit limit of {$300.00}. After not paying the overdue balance for some time, the account was closed in XX/XX/XXXX, and transferred to a collection agency ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX ( XXXX ) XXXX ). In less than a year, I paid XXXX XXXX according to an agreed-upon payment plan settling the debt in full.

Over a year and a half years ago, when I started paying closer attention to my credit score, I noticed that there were some negative remarks on my credit report related to this card. As of this complaint, there are 6 negative remarks remaining on this account over the last 24 months, stating that I missed payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not accurate as I had settled that out 3 year earlier. I reached out to both XXXX XXXX XXXX and to XXXX XXXX on numerous occasions, with both continuing to state that it was the other institution 's responsibility. I enlisted the efforts of a credit repair company, XXXX XXXX XXXX XXXX, for over 18 months at $ XXXX/month to try to get them to remove the negative remarks, but XXXX XXXX XXXX and XXXX XXXX maintained the same lack of responsibility. I contacted the three major credit bureaus myself to dispute and have them investigate, and still XXXX XXXX XXXX refused to remove these negative remarks that are highly injurious to my credit. The note that was added for me to this page of my XXXX report states : " Payments were made in compliance with the negotiated schedule. '' My individual credit report on XXXX  notes that the Balance is {$0.00}, and the Past Due Amount is {$0.00}.

I continue to be very frustrated by this, as it is negatively affecting my credit rating.

Hopefully this can get resolved soon. I do n't want to have to hire an attorney for this issue, as I 've already paid in over {$1000.00} for the services of XXXX XXXX I have attached the only letter that was sent to me from XXXX XXXX XXXX  regarding my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted XXXX XXXX numerous times and they have stated that the account has been removed from my credit reports in XX/XX/XXXX but for some reason when I check in XX/XX/XXXX it is still showing on my reports. I have included the message from XXXX XXXX for validity. 


A delete request was previously sent to the bureaus when this consumer filed a complaint back in XX/XX/XXXX. An XXXX delete was performed today and should result in the trade line being removed from her credit report. Our agency does not know what she is referring to when she mentions her XXXX XXXX XXXX Check.

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
My wife was trying to access her account on line via linking a service to the checking account. It was noted that TD Bank was blocking her from enabling applications via internet and it gave us a direct # to speak with a td Bank representative to fix the issue. We called the XXXX XXXX XXXX # and was told that it would be 20 minutes of waiting to speak to a representative, After being on hold for 56 minutes a man came on the phone and said he was unable to help unless we went to a TD location. This is unacceptable we lost the deal, and will be closing td account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: CA

Complaint narrative:
A state tax lien that has been paid and released from 2010 has not been removed from my credit report. It has been removed from my XXXX Credit report but not TransUnion. 
I have called TransUnion, The XXXX County Recorder, & The California state Franchise Tax Board. They all say they cant help me and tell me and point me in the direction of the other.

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 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank has restricted XXXX from linking my account. They originally did it with my debit card but will not allow me to link my bank account. I need to have this linked in order to withdrawal funds and they put me in a stressful position. They have restricted this with another website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XXXX I requested for Trans union credit reporting agency to investigate accuracy of a creditor by name of XXXX XXXX in my credit file with account number XXXX. I requested for creditor to provide myself as well as Tran sunion with a copy of original contract signed on my behalf as well as identification provided on my behalf. As of XXXX I have not received those documents from the creditor either has Trans union. Therefore, I am requested for this negative information be removed immediately. 





INCORRECT NEGATIVE REPORTING IS BEING REPORTED FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA

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 2018-01-17 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: MO

Complaint narrative:
I contacted the credit service XXXX XXXX to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to 300 in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: MO

Complaint narrative:
I contacted the credit service XXXX XXXX to let them know that there are a significant amount of inquiries that are reporting in my credit report. ( actually all 3 of them ) and has lowered my score by 2 to XXXX in points. i have contacted them to let them know that i have been victimized and they failed to comply with what i requested them to do, which was REMOVE ALL the inquiries off 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 2018-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted XXXX XXXX numerous times and they have stated that the account has been removed from my credit reports in XX/XX/XXXX but for some reason when I check in XX/XX/XXXX it is still showing on my reports. I have included the message from XXXX XXXX for validity. 


A delete request was previously sent to the bureaus when this consumer filed a complaint back in XX/XX/XXXX. An XXXX delete was performed today and should result in the trade line being removed from her credit report. Our agency does not know what she is referring to when she mentions her XXXX XXXX XXXX Check.

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 2018-01-17 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:
XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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: TX

Complaint narrative:
XXXX XXXX auto account is settled and the account needs to be updated in all of the credit bureaus. Still showing negative. Please correct this matter. I have been patience now its has to go now. 
Thanks very much Pleased with your help with concern

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 2018-01-17 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: FL

Complaint narrative:
XXXX XXXX Inquiry fromXX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry fromXX/XX/XXXX + Misc.

XXXX Inquiry from XX/XX/XXXX + Misc.

XXXX XXXX XXXX  Inquiry fromXX/XX/XXXX + Automotive XXXXs XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry fromXX/XX/XXXX + National Credit Cards/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX+ Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX+ Finance

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 2018-01-17 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: CITIBANK, N.A.
State: NV

Complaint narrative:
In XX/XX/XXXX/XX/XX/XXXXI received a statement from CITI and paid off the balance, as far as I was aware the account was paid off at that time. For whatever reason ( which I now believe to be fraud ) CITI continued to take {$100.00} per month for 4 years from a banking debit card. At some point my debit card was compromised at another store and I was later called by CBNA asking why a bill was n't being paid. At that time I was shocked to hear that I owed CITI anything and requested more information and an investigation about why or how I owed any bill. After being told by a CITI representative that there were no purchases made on the account I requested that the monies be returned to me which CITI initially agreed to do but then did n't. Later I found that the bank reported the derogatory information to my credit bureaus. I then spoke with several people at the bank for several hours and ultimately got nowhere. I ask CITI to show what was bought within the last 5 years and the bank confirmed that no purchases were made during that time. I never found out where the {$100.00} monthly payments were going 4 years after I made my payment in late XX/XX/XXXX early XX/XX/XXXX. Now I am left with a derogatory mark on my credit for a debt I do not owe and actually should be receiving a refund for. I requested CITI to delete the derogatory account from any and all credit bureaus and to refund me the {$4800.00} that I overpaid them ( {$100.00} per month for 4 years. ) If this issue is not fixed I will be forced to hire an attorney and sue CITI for the egregious error they have made on my credit record. I had no derogatory information listed from CITI on this account ( no late payments, no charge off listing, no settled account ) before this issue arose. This is the last time I will make this request before I pursue a legal remedy.

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 2018-01-17 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:
Hi guys, re : CoinBase.com Opened an account today ( X/XX/2018 ) and verified with my passport and linked my accounts. Made my first test purchase for {$100.00} and all was ok and had the purchased Bitcoin in the account with them.

Later on, I went to add my personal home address to the account section of their site and when I did this and pressed save, it redirected me straight away to an account closure page for simply no reason. The account is locked and I now have to extract the money somehow from them.

After trying to contact them with no luck and also reading through what seems like an endless number of cases of the same thing happening online I wanted to file a complaint.

I appreciate your help where possible.

Sincerely Their note as below : " Unfortunately we have had to close your Coinbase account. Before your account can be closed, you will need to withdraw your funds to an external wallet and any other funds to an attached bank account. Please be sure to delete any references to digital currency addresses generated by Coinbase, as funds sent to those addresses will not be retrievable once the account is closed. If you have any questions you may visit https : //support.coinbase.com. ''

Company response to consumer: Closed with explanation