vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-17 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: CA

Complaint narrative:
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, XXXX AND TRANSUNION.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.

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 2018-02-17 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:
XXXX XXXX XXXX acct XXXX ... is erroneously reporting on all credit bureaus XXXX, EQUIFAX AND XXXX.IT is obvious that they keep terribly inaccurate records.ALL PAYMENTS WERE MADE including the two extended pymts that had a discrepancy.then they stole ( repoed ) the car. 
look at the attached XXXX credit report ... on its face its erroneous. 
the balance history starts in XX/XX/XXXX after repo. 
the acct history shows c/o from XX/XX/XXXX through XX/XX/XXXX the month of my last payment. 
then they say i owe XXXX after stealing the car, not giving any credit or mention of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Tonight I learned that I am 371 days delinquent on my student loans. I have not received any correspondence in the mail to this effect. Navient 's representative mislead me in XX/XX/2017 by telling me that I was processed and approved for a forbearance, but they did not enter it in the system. Tonight, I contacted Navient and the representative, XXXX id # XXXX ( XXXX IN ) told me that I was processed and approved for a forbearance. I also asked to make a payment for {$120.00} like the letter said on the correspondence on their website, he refused saying that I had to pay {$1000.00}. I asked for an income repayment option and he asked some questions and told me that I was eligible based on my answers, but that he couldn't process it over the phone because the account was locked, but my account is not locked on the website. I asked if he were able to do an override and he said not, so I asked for a supervisor because he was pausing and I felt as if I was being given misleading information. The supervisor, XXXX XXXX sad she would transfer me to the cures department, but they were closed. I asked her for the new date that payments would restart since I now have a forbearance. She said you do not have a forbearance. He processed it, but I reversed it because you are not eligible. I asked her why the system allowed it be be approved and processed if I were ineligible. XXXX XXXX XXXX could not answer this question. My credit has been harmed by Navient 's misleading and harmful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2018-02-17 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: GA

Complaint narrative:
Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
Equifax!!! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
XXXX  Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX  XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17 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: GA

Complaint narrative:
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
I received a letter addressed to just " XXXX '' XXXX from a collection agency, ERC, representing XXXX XXXX/XXXX XXXX XXXX/XXXX. I do not recognize any of this account information listed on the letter. 

The letter stated a debt was owed in the amount of {$700.00}, and stated it would accept a settlement of {$420.00}. 

Prior to receiving this letter, this debt appeared on my credit report and my credit scores dropped by more than 100 points. When I disputed it with XXXX and XXXX, it was removed within 24 hours. More than a month later I received the letter and discovered it was reported to XXXX as well. I disputed it there and it was removed promptly as well. 

This letter was sent via regular US Mail and there is language in the letter stating that if I do not act within 30 days of receipt, I will be liable for the debt. 

I am certain this letter is fraudulent. Will I be liable if I do not act on this? Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX account # XXXX .Ive Been trying to verify this account and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: CA

Complaint narrative:
There was an old account which was paid in full during the time I had services with XXXX XXXX XXXX that for some reason was purchased by several collection agencies over the course of 7 years and I am not responsible for these charges. I have contacted each collector yet no one has sent me any information concerning this account. The last payment I paid was in the amount of {$100.00} to terminate my services with XXXX XXXX. A representative at the XXXX XXXX XXXX office located in my community took my payment and the equipment when closing my account. Several months later I began disputing the charges which are on my credit report, yet, nothing has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: GA

Complaint narrative:
Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
XXXX!!! 
XXXX XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
Transunion Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX  XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Back in XX/XX/XXXX/XX/XX/XXXX, XXXX invited me to open up a credit card with them for a {$40.00} gift promotion. Never mentioning the name of the bank or their background/reputation. So I did a credit card account with them. 3 months after opening my credit card, I noticed that my bill was not going down when I was paying double the minimum monthly payment. I contacted XXXX and they told me that I had to contact XXXX XXXX who was hiding behind XXXX. I tried to close my credit card account immediately, and finally 2 months later on XX/XX/XXXX, I received a letter stating that they have closed my account. So, I requested that they transfer all of my payments over to my debit card, the way I have been paying XXXX with their XXXX payment option for over 6 years. My last payment to XXXX was in XX/XX/XXXX and now my account with XXXX is paid in full. Now, XXXX is stating that I owe them, and they are trying to ruin my credit. They managed to put the credit card balance through my XXXX account and I had to close my bank account so they don't rob me. I have proof showing that I have paid XXXX in full. The bank is currently claiming that I owe them {$500.00}! They are a bunch of thieves. Look at their reviews to prove it. I have contacted the XXXX as well XXXX. They have advised me to contact you as well. I would appreciate it if you could provide me with any assistance/advice. Attached you will find the XXXX cancellation letter I received, the emails I sent them requesting to cancel my credit card account and transfer my remaining payments to my debit card, my last check payment I made to XXXX, and my XXXX XXXX XXXX statement showing that my account is paid in full. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: FC HoldCo LLC
State: GA

Complaint narrative:
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to 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 explanation
Consumer complaint received 2018-02-17 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: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I sold my Bitcoin, XXXX was to be transferred back to my checking acct. As of today, I have not received the money. I have attempted to call and I have sent an 32 email expressing my issue, no response. I have also sent a copy of my complaint to Coinbase Customer Support -XXXX XXXX XXXX, XXXX XXXX -XXXX   XXXX , CA XXXX. I have called their support line 5 times, listened to the automated answering service for 45 mins. Never talked with anyone. I have received a XXXX XXXX from Coinbase 3 weeks ago saying they would send me research and send me an response. I have never received a response. There are many, many coinbase users XXXX  the same issues, waiting for their ACH or Debt refunds. This is unexceptable and should be investigated. Coinbase boast of the millions of dollars of profits for 2017. I just want my money from selling my BitCoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 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: FL

Complaint narrative:
I can not afford a lawyer, but I have tried to fix my credit in every way possible. XXXX, XXXX, and Experian REFUSES to remove items off of my credit report that were CLEARLY identity fraud. I provided police reports on several occasion. Ive sent in copies of my Drivers license, SS card, utility bills, FTC complain forms, detailed account information, AND police Reports ... and EVERY SINGLE form they asked for. ALL they did in return was either deny the claim, or say they never received proof, just like in my previous complaint. I will now move forward and file a complaint with the FTC, and I will look into what other avenues I can pursue. I am trying to sell my home, and buy a new one ... and because my identity was stolen I am STUCK. I need this rectified ASAP. I have done ALL I can do.

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 2018-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/2018 at around XXXX eastern us time. I made a deal with a online friend to buy some goods from him. The deal was I give him XXXX USD and he would give me a total of 27 items for a game called XXXX XXXX. After the money was sent, he blocked my profile and the console and block my profile on XXXX where the deal was initially made. I have the conversation saved still. I emailed him and asked him to return my money but he has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ONLY PHONE NUMBERS ASSOCIATED WITH MY NAME AND SOCIAL SECURITY NUMBER ARE ( XXXX ) XXXX and ( XXXX ) XXXX. 
**Please remove ALL other phone numbers on this report! They are fraudulent in nature!!

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 2018-02-17 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My creditor, XXXX XXXX, refuses to correct my credit file. My creditor XXXX XXXX has mishandled my account file as it pertains to my credit. My self and spouse applied for a mortgage with XXXX in XX/XX/XXXX. XXXX ran my credit report the same month, approximately XX/XX/XXXX and advised me of a late reported XX/XX/XXXX. XXXX hired XXXX XXXX to validate this, as I advised I had not had a late payment. On XX/XX/XXXX XXXX XXXX representative, XXXX XXXX contacted me and we had a conference call with XXXX XXXX Rep., XXXX. XXXX was asked by XXXX if my payments were current, If I had any late payments in the last 12 months, the balance amount on my account, last payment and next payment due date. XXXX advised XXXX that I had not had any late payments in the last payments in the last 12 months and my last payment was XX/XX/XXXX and next payment was due XX/XX/XXXX. I had been paying every 2 weeks  even through my due date was XX/XX/XXXX of the month. I have been in contact with the credit bureaus to file a dispute. I provided them with the XXXX XXXX documentation of the call that verified no late payments. I provided the same information to XXXX XXXX. They denied the call was made to them, denied the employee XXXX verified the information as well. : What company is this complaint about? XXXX XXXX. : Who are the people involved? 
XXXX XXXX from XXXX XXXX  XXXX XXXX XXXX / XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
A dispute case was supposedly opened on XX/XX/XXXX for a fraudulent purchase made on XXXX, XXXX to XXXX XXXX. XXXX is my email for Paypal account. Someone used my XXXX account and purchased an item, a XXXX XXXX watch in the amount of XXXX. This information was provided to Paypal rep, a gentlemen whom I did not get the name of on XX/XX/XXXX. However, when I called today, XX/XX/XXXX, to provided additional information pertaining to claim I was told by Paypal rep a claim can not be opened due to status of account. As far as I know, no claim or case has been opened pertaining to this charge. I called XXXX and was referred back to Paypal, the XXXX rep said a claim was already opened which contradicts the information I was given just minutes earlier by Paypal rep. The information I was going to provide Paypal and XXXX is tracking information which shows package left with individual on XX/XX/XXXX. USPS tracking number is XXXX. I checked with my mother whom I live with, she was home on XX/XX/XXXX while I was at work, she did not receive any package. I checked with post office and was told package was left in parcel locker, which is strange as tracking info shows left with individual. The package is nowhere to be found, I've checked with neighbors and they have no package with my name on it. As stated before, I attempted to provide this information but was told by Paypal there is no case, which was contradicted by XXXX rep.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I contacted capital one credit card company. I explained that we paid the account off with a trust account guy confirmed that it went through as payed. We then owed {$1200.00} final notice dated XX/XX/XXXX. I asked for them to take some of the late fees and the over draft charges off. We called and asked several times to remove the charges they refused to do it. I did eventually payed the account down but had to suck up the extreme past due amount of {$1200.00}. The account credit limit was {$800.00}. Capital one just cares about money, no sympathy or wiggle room. Even XXXX store ( XXXX 's credit ) removed {$200.00} in fees. I don't understand why one of the major credit card companies can't help at all.

Company response to consumer: Closed with explanation