vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good day, For the second time I am complaining with you guys about a " ton '' of wrong information on my Transunion credit report and inquiries not made by me. I told transunion in many occasions during this year, thru their customer service lines, about the names and addresses that are not mine and about a name change that was not authorized by me. 
I placed a security freeze on my social security number and a week later I had an unauthorized inquiry at the island of Puerto Rico, really?? after a security freeze? 
I told transunion my name, address, social security number the names and addresses that are wrong and that my name is the only name that should be in any credit report under my social security number. You know what they did? they send me a report with my address, file number and the wrong name, AGAIN!! and all the wrong info is still there!!! 

I even placed a complaint with you guys and you did nothing! THE PROBLEM IT IS STILL THERE AND IS AFFECTING ME!!!!!!! big time. 

Transunion also even lowered my score 70 points on XXXX XXXX right before hurricane Irma hit Florida, in one day with any wrongdoing from my part and without any notification or reason of why they did it. At that moment I had two secure loans both paid in time every time, and that after I placed my complaint with you and the FTC both useless, because they are still providing wrong information under my social security number. Two years of hard work to improve my score and BOOM!! GONE IN ONE DAY!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am dealing with two promises XXXX is not keeping : CASE 1 ) I 've referred a friend through Text message on XX/XX/XXXX, their system for some reason has missed it and they seem not to accept that it their fault. In other words, they promised rewards if I refer people to XXXX XXXXnd are not paying the rewards they promise to everyone who refers people to XXXX I 've inquired about it in XXXX via XXXX, failed to complete. Then on XX/XX/XXXX I 've filed another inquiry " XXXX '' which did not end yet besides their 6 to 8 weeks promise. CASE 2 ) In XX/XX/XXXX American Express has sent me an offer according to which if I add four authorized users and they spend {$250.00} ( each ) within the first 3 months, I will get {$25.00} statement credit for each 4 cards. All requirements were met within a month and I 've received {$25.00} for only one out of four cards. Ever since then, I 've opened two inquiries/cases : 1. XXXX ( XX/XX/XXXX ) and 2. XXXX ( XX/XX/XXXX ). -Do not delete the case numbers please as I want American Express to be aware of this complaint since they are not connecting me with any Executive Office team to complain. -Both cases were closed without any resolution in my favor. American Express is not even providing the reasoning of their decision or what was it based on. -I 've contacted them so many times that I am sick of even their lies and misleading statements. Almost at all times I 've spoken to them, I 've not gotten the same answer. Everybody has given me a different answer regarding these offers. Conclusion : They have failed to provide what they have promised ; Their offers on both of my cases were definitely misleading and inappropriately handled. The whole experience is taking forever and getting worse and worse every time I talk to them. I will not stop until this reaches any institution that should protect customers from misleading offers, lies and this horrible, irresponsible treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: TN

Complaint narrative:
I applied for a loan for XXXX with Lending Club before they approved the loan, I sent a email to them, since they were closed at the time to cancel my loan application due to loss of household income that happened the same day. Enclosed is the email that was sent and there response to the email. The next day I received a email to contact them. I explained the situation to them. XXXX the rep on the phone said they could cancel the loan. Then she put me on hold, when she returned she said they could not cancel the loan since it funded that day. I explained cancel the wire she said they could not. Then I said pull the wire back from my bank account she said they could not I was stuck with the loan. Then proceeded to tell me that if I have trouble paying the loan apply for a hardship. This is absolutely crazy. Please investigate. All is I want to do is to cancel the loan. As of today no funds have hit my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: MT

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: MT

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: MT

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC
State: NC

Complaint narrative:
Company has failed to maintaining a system reasonably capable of receiving from CRAs information regarding disputes, including supporting documentation. 
Company has failed to conduct an investigation of the disputed information including reviewing : a. all relevant information forwarded by the CRA and ; b. the furnishers own information with respect to the dispute. 
Company has failed to report the results of the investigation to the CRA that sent the dispute. 
Company has failed to provide corrected information to every nationwide CRA that received the information if the information is inaccurate or incomplete. 
Company has failed to modify or deleting the disputed information, or permanently blocking the reporting of the information if the information is incomplete or inaccurate, or can not be verified. 
Total owed was XXXX due to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have used coinbase for years now to hold some of my cryptocurrency investments, I have assets in both coinbase and XXXX, coinbases exchange, current value probally around {$25000.00}. Coinbase uses 2factor authorization for signing which is good, it is a safety measure. The problem is, I got a new phone and 2 factor authorization is not on my new phone. I tried for hours setting this up on XX/XX/XXXX, deleting and installing the app on my phone, trying to reset my account which led to the point of my  account being suspended and locked and I need to contact support to reset everything. I have cases with coinbase and they are not unlocking my account. I have called 3 times after a 45 minute hold saying they dont have a timeframe to unlock my account. The representative says someone is working on it and typical time is 3 to 4 business days. It has been over a week now, they are not responding to emails and I just want my account unlocked. I use other exchanges and this did not happen, it was easy to update, coinbase makes it difficult and then they have no support to help when their are issues I also recently moved, so I have a new address and I am sure this is going to make this even more difficult to resolve and my next step is to just have a attorney collect my assets. It seems a little over board to get account reset.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SCS Credit Corporation
State: IN

Complaint narrative:
The XXXX had was used ran good for about 2 months after everything went bad to the point where the engine blew and they told me I had to pay XXXX XXXX for new engine could pay so they took my car and messed my credit up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-17 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: IL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: IL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: IL

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: AZ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Guglielmo and Associates
State: NV

Complaint narrative:
PREVIOUS CASE NUMBER : XXXX NOT RESOLVED NEW PROBLEM. On XXXX XXXX, XXXX, I send by signed return receipt a letter XXXX XXXX XXXX to settle my balance after making XXXX {$100.00} payments. I specifically stated to contact me by mail only due to lack of telephone responses on their part. I have not received one piece of mail countering my offer and now on XXXX XXXX without ANY WARNING I 've received an order to execute garnishment on property or wages. I have made many offers to settle this account and have told them I am on social security only. XXXX XXXX XXXX, who told me he did n't care that I was on social security, and there is nothing he can do to accept any of my offers, is bullying me. I have a part time job paying {$250.00} a month to buy groceries an I was willing to find a way to get a settlement with XXXX XXXX but all he wants to do is argue and demine me. I can not afford to have my wages garnished as I am on social security only. This XXXX XXXX XXXX. has never contacted me by mail when the filed my bank account be taken which is my social security and is exempt. NOW THEY NEVER COUNTERED MY OFFER BY MAIL AS I REQUESTED AND NOW WITH NO NOTICE THEY FILED TO GARNISH MY WAGES. I have tried so many times to settle with this company BUT ALL THEY DO IS YELL AND XXXX AND TRY TO BE SLEEZY AND SNEAKY TO GET AT MY EXEMPT MONEY. I WILL be going to a judge to get a stay on this garnishment as I feel that the practices of debt collection from XXXX XXXX XXXX. IS COMPLETELY DISHONEST. They just bully the XXXX out of you and get judgements passed WITHOUT ANY NOTICE. THEY NEED TO BE LOOKED INTO FOR UNFAIR TREATMENT TO ME AS A SENIOR CITIZEN AND I 'M SURE THERE ARE MANY OTHERS THEY BULLY. I have done my part to settle this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: CT

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: CT

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: NC

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 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: NV

Complaint narrative:
I am checking my credit and notice a delinquent amount of {$84.00} owed to XXXX XXXX from XXXXX of 2016 and do not recall what this is. If I owe it, I would like to pay it and get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX/XXXX/XXXX, we make a deposit of cash and a business check into our personal checking account. The cash was in the amount of {$3000.00} and the check was in the amount of {$3900.00}. As in Past deposits with cash, we were told that the cash would be posted to our account and would be made available immediately. When the bank decides to hold our cash for 24 hours is often inconsistent, but does seem to correlate with whether we have additional funds in our checking account. If our count is lower, it seems that the cash is held and money is pulled from our line of credit and fees are assessed for this. If we have a lot more funds in our checking account, the cash is made readily available. As of today, XXXX/XXXX/XXXX, both the business check and cash are being held as pending And money was pulled from my line of credit. When I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediatel when I called my bank, I was unable to speak to a supervisor and was told that the reason for the cash being held is that the deposit amount was large. This is no more than typical deposits we make and in the past cash has been made available immediately. This seems to Me like a way to fraud customers and force him into using your line of credit so that additional fees can be assessed. I would like a response to this and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
Received letter from First Federal Credit Control on XX/XX/XXXX, attempted to call on XX/XX/XXXX and every two weeks after requesting proof of debt. Hospital they collect for has a poor billing system and I wanted to see this invoice and either provide proof of payment or pay immediately. 

Called number and agent provided in letter. Never get to her ever, left explicitly detailed voicemail every time. No return calls ever, no proof of debt ever provided, submitted to the credit bureau without attempting to resolve with me or give me a chance to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation