vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-31 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: CA

Complaint narrative:
I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX And XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these

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 2018-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX  and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these

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 2018-01-31 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: CA

Complaint narrative:
I am a victim of fraud I put a fraud alert on. I called customer service they REFUSED to remove these hard inquires, I demanded they remove them for example XXXX was suppose to be deleted. XXXX XXXX does not have my social security most of these are wrong social security numbers linked to my account and or do not have permission I called them to remove all of these and they keep telling me to contact the companies. I'm a victim rock fraud inquires and most are invalid or wrong information tho it still linked to my credit file. I ask they remove all of these XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of them don't even have my correct social like XXXX XXXX has the wrong social and XXXX and XXXX XXXX do not have my permission I demand them to remove all inquires from my file or I'll go to court and sue for damages, They failed to remove alll inquires I have an active fraud alert and freeze pending I ask one final tim THESE are not factual records most are wrong information and wrong social security numbers so therefore that should not be held as FACTUAL. Remove them all from my file now I will not wait two years I did not authorize these

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
As I write this, today is XX/XX/XXXXThis has happend one 3 different occasions. 
On XX/XX/XXXX I place a sell for XXXX, that coinbase shows as completed on XX/XX/XXXX On XX/XX/XXXX a sell for XXXX shows completed on XX/XX/XXXX On XX/XX/XXXX a sell for XXXX show completed on XX/XX/XXXX None of these have been paid out, Ive attempted to reach coinbase via email and call support and they do not respond to my attempts to reach out.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX made an unauthorized hard inquiry to my credit report on XX/XX/XXXX. I did not authorize this hard inquiry and I see reported hard inquiry on my Equifax credit report. I contacted both XXXX XXXX XXXX XXXX and Equifax. 
XXXX XXXX XXXX XXXX never replied to my email which I sent on XX/XX/XXXX. 
Equifax on XX/XX/XXXX replied that I should contact XXXX XXXX XXXX XXXX about this issue. 
Could you please help me to resolve this and remove unauthorized inquiry from my Equifax credit report? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I have sent a request to recast after paying off {$69000.00} off XXXX mortgage since XX/XX/XXXX. Sun Trust came up different reasons to delay the process and changed the criteria of what can be and can't be changed. For example, SunTrust can't get the principal correct in the recast after I have contacted them few times. After few contacts, I decided to send in one additional payment and hope that they will come up with the right principal amount to recast. I was told that we can send in recast request if we pay additional {$5000.00} in the principal but last XX/XX/XXXX they told me that I have to send in at least 10 % of the outstanding loan to request any recast. When I came up with 10 % of the outstanding payment to recast and requested to remove the escrow account at the same time, I was told that I can't remove my escrow account because the investor has changed the criteria of escrow accounts removal. The escrow account can only been removed after opening the account for two years and my account has only been open for one year. I told them that I was told that escrow account can be removed after one year when I first refinanced and was able to do so with my first Sun Trust account before I refinanced. They told me that the investor has changed the rules last XX/XX/XXXX. I asked them why I have never received any information about the changes. Particularly, I sent in the request about XX/XX/XXXX and I have paid off all of taxes for XX/XX/XXXX at the end of XX/XX/XXXX. Sun Trust never bothers to tell me that I can't remove escrow account until I paid off the rest of XX/XX/XXXX taxes and called them back to ask them to apply the escrow amount to the principal. I never got any answer. All they do is asking me to pay additional XXXX for something that I already paid. 

After recast, Suntrust requested me to send in {$4900.00} for XX/XX/XXXX and it also shows that I am past due {$2400.00}. I have contacted SunTrust and asked them to recalculate the payment and also reinstate the fact that I have never received any changes about escrow accounts. They contacted me twice via the phone. When I called back on XX/XX/XXXX around noon, I got cut off. I called them again today ( XX/XX/XXXX ) and got cut off first time after speaking with the first representative. I called back again at the number that was left at my phone and spoke to the second representative. He was not aware of escrow account issue but he told me that they have a lot of information on my account about me not being able to pay and need assistance on my payment. I still can't get any answer about escrow accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXXI attempted to send money from my account to XXXX. 
They denied me and prevented me from sending my money to another legal company doing legal business in the US. 

It is my legal right to do this and they prevented me from doing so. 

I would like your assistance in helping remedy this prevention of my legal rights. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
In XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXI had  my full tax returns taken by XXXX XXXX first and navient the next 2 years. I called and got transferred. No answers. I am finally back on my feet. Getting a home again. The financial hardship this caused me is indescribable... how do I fix what they did?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have been receiving repeated calls from this company called Credence Resource Management regarding a personal matter which they will not disclose. They only wanted me to confirm my personal information to them, which I believe will and can be used for fraud or identity theft.  Since Credence Resource Management called me on a local telephone number, I was under the impression that it was an important call and had to pick up. While picking up several of the calls made by Credence Resource Management on my phone, it had put me at risk of getting into a car accident. Their tactics of using a local number is deceiving and their communication to me is very likely to be a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
Every time i created an account with them, they disable my personal account. Why???? If you can't provided to all U.S person, why  this crazy institution say we can send money via online too...??????? XXXX.......Say. This company is soooooooo humane rise tooooooo many people in USA.Thanks,XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: AL

Complaint narrative:
My complaint is actually dealing with my credit score. I have been rebuilding my credit score for almost 9 months now with the assistance of a credit card I was able to get through my bank.My credit has improved by almost 80+pts since XX/XX/2017. That is the only account I have opened in the last 2yrs or so.However, this latest credit change dropped my score 61pts but I am not sure why it happened.All recent credit changes were "good" according to credit karma but nearly all the points I have earned have been taken from me just like that.I really do believe there has been some type of error but I am not sure of what. And my derogatory marks have decreased by 1. Any help into this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card keeps calling me at my home saying they want to talk to me when I make my payments on time and have spoken to them hen previously.  Why are they calling me everyday?  Home number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Alliant Capital Management LLC
State: TX

Complaint narrative:
XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was XXXX XXXX XXXX, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Listed an account with XXXX on credit report with open date of XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   and XXXX with balance of XXXX. This is in accurate information the company Convergent purchased the debt after it was discharged off report AND CHANGED the dates to put back on report as if just opened. I have contacted debt agency regarding this to no success. This is illegal to change the dates and amounts.

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 2018-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX   on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was Security Credit Services, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-31 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XX/XX/XXXX I asked that Wells Fargo to report me making my monthly mortgage payment to the 3 credit reporting companies. In XX/XX/XXXX I had filed bankruptcy on my business, but not on my home. I have continued to make my monthly mortgage payments in a timely manner. 

In XX/XX/XXXXI was also married. At that time I submitted a copy of my Marriage Certificate and requested that the last name on my loan ( my maiden name as I was single when I financed my house ) be changed to reflect my married name. It never was done. 

In XX/XX/XXXX I became a victim of identity theft. I am a XXXX XXXX veteran, and also used my debit card at several large corporations who had their data hacked. At this time I started paying more attention to my credit rating and my credit record and realized that Wells Fargo was not reporting my monthly mortgage payments. Also, I knew that after 10 years my bankruptcy would start to fall off my credit rating, and I needed to get serious about re-establishing credit. 

In XX/XX/XXXX when I contacted Wells Fargo and asked them to please start reporting my monthly mortgage payments, they instead referred me to the " dispute banner displayed on account '' which referred to the removal of my bankruptcy filed in XX/XX/XXXX. Again, my bankruptcy filed in XX/XX/XXXX was for my business, and did not include my account with Wells Fargo, and I did not ask that the bankruptcy notice be removed. 

I asked that they start reporting my monthly mortgage payment. 

I received a letter dated XX/XX/XXXX from Wells Fargo with the following : " Because our review results didn't support your dispute, we've added a Compliance Condition Code on your credit report, which reads " Completed investigation of FCRA dispute - consumer disagrees. '' This code will remain on your credit report until you request we remove it. If you'd like the Compliance Condition Code removed, you may contact us at the phone number provided in this letter. If you'd like to submit the request in writing, you can send us a signed, written request. 

They included the phone number XXXX Wells Fargo has completely ignored my request, and my right, to have my monthly mortgage payments reported to the credit agencies and I don't know why. I don't believe me filing bankruptcy in XX/XX/XXXX on my business, but not on my home, should prevent my payments from being reported.

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 2018-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I have deposited XXXX euros into my coinbase account on XX/XX/XXXX through wire transfer and it is still nowhere to be seen. My bank has verified that the amount has already been sent. Coinbase had a guarantee that I will receive my funds within 3-5 business days, which is obviously not being fulfilled right now.I have tried contacting them through email inquiries on XX/XX/XXXXand XX/XX/XXXX, of which I was promised a reply within 24 hours, which was again not fulfilled. I finally did head back from Coinbase on XX/XX/XXXX, but the reply only included generic troubleshooting to ensure my wire transfer does not have incorrect detail, and also notice that my case was escalated to a "specialist". I have replied to this email, providing further details and proof of transfer, but have yet to hear back from Coinbase despite multiple follow-ups.

Company response to consumer: Closed with explanation