vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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: MD

Complaint narrative:
I mailed a certified dispute letter to Equifax, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Equifax and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date of last payment is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX to resolve the correct amount owe and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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.
State: OH

Complaint narrative:
On XXXX and XXXX XXXX my Coinbase account was hacked and money through it was siphoned to purchase unauthorised crypto currencies for XXXX $ I opened ticket with coinbase to immediately freeze the transactions on XXXX XXXX only but they never responded back. 

I opened another ticket with them after my money was gone from the bank to buy BTC in Coinbase to which they responded my account has been fronzen and any crypto transactions can not be reverted. 

Since then I have not heard another response back from them despite for mailing them several times, neither I can access my online account. 

The email id associated with the Coinbase was XXXX I want my access back and the unauthorized transactions to be reverted if any else the equal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; XXXX and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-03 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; Experian and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I mailed a certified dispute letter to Transunion, and XXXX, asking them to valid that the account they are reporting is reporting accurate information on my credit report. Both Transunion and XXXX  mailed me a letter stating all on the information on my credit reported was accurate, however, as you will see on my attach file the reporting information is inaccurate and inconsistent. The date the account was open is inconsistent and inaccurate, along with the date of last active, and comment section says two different reason for account delinquency, which is miss leading and deceptive. I've made attempts to get in contact with XXXX XXXX XXXX  to resolve and to find out the correct amount owed and to dispute the inaccurate information reported, but still have not gotten a response. If this matter does not get resolved, I am looking to file civil suit because this clearly violate the Fair Credit Act.

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 2020-03-03 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: CO

Complaint narrative:
Equifax is reporting incorrectly ( 2 ) accounts where I am shown as an Authorized User on XXXX XXXX partial account number XXXX and partial account number XXXX. ( Please see pages attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on these ( 2 ) accounts. This incorrect reporting of me as an authorized user is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I received a debt collection letter from collection service. Was told that they were giving me a discount and that by paying {$160.00} plus a {$5.00} service fee for doing a future programmed debit payment the debt of {$200.00} was going to be resolved and that I would be cleared of the whole debt and also cleared with XXXX. XXXX was the original debt owner. I did not have work so I couldnt pay it off then. After the payment was taken I was told it was going to be cleared with XXXX. It was not, XXXX has me owing {$45.00} and when I contacted the collection service about this they stated they no longer have my account with them and that I need to pay {$45.00} to XXXX. The collection service was supposedly going to transfer me to a manager after I mentioned consumer affairs for not telling me the truth then tried to misguide me with other supposed options. I hanged up and checked in consumer affairs website and it was here that I needed to file my complaint. Supposedly on all conversations with the collection service all calls were being recorded and monitored?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: AR

Complaint narrative:
A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and ID. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name including bankruptcy. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX {$2600.00} XXXX XXXX   XXXX {$21000.00} XXXX  XXXX XXXX {$640.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} BANKRUPTCY CHAPTER XXXX - DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Some time back ( years ago ) my wife and I froze our credit reports. We are in the process moving to an apartment in Massachusetts and need to temporarily unfreeze the accounts. 

I tried to do this today -- XX/XX/2020. 

XXXX  was easy. They have a user friendly website and I was able to unfreeze both accounts. 

On the other hand, both Experian and XXXX  have very unfriendly websites and useless phone numbers that walk you down deadends and then hang up on you. XXXX  uses XXXX people who are very difficult to understand. 

I can not unfreeze the two accounts and am very frustrated. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2020-03-03 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: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOE/XXXX  partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted Equifax ; XXXX and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: AZ

Complaint narrative:
I have been in communication with LexisNexis for nearly 2 months trying to obtain a full report so I can rectify discrepancy on a background check that has prevented me from obtaining employment over the past 6 months. 

To date, the continually say they are unable to verify my information because the documents I send contain insufficient information. 

I have sent them all of the required documentation listed each time. I have done this several times, and just one day ago I received the exact same notice of insufficient information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the  USDOEXXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX  ; XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-03 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the USDOEXXXX partial account number XXXX. ( Please see attached credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted XXXX ; Experian and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
1 ) I logged into my online wells fargo banking account on XX/XX/XXXX my checking account balance was {$50.00} 2 ) Went to Wells Fargo XXXX XXXX branch in XXXX VA to file a fraud claim spoke to XXXX XXXX the manager 3 ) Looked at all transactions made and started claim was told I would get money back and my old account would be closed 4 ) Was also stated that the resolution team would take a look at all transactions and see what they could do, they would have a " specialist '' investigate and i would receive a call from their team 5 ) The claim had every transaction starting with two transfers from my savings to my checking accounts of {$2000.00}, then two transfers of {$500.00} through XXXX to an unknown name of XXXX XXXX, everything else was transferred through increments of $ XXXX through XXXX XXXX ( an application I deleted before the money was taken ) and using a cardless ATM number and my PIN - the transactions say XXXX XXXX XXXX XXXX and XXXX XXXX XXXX GA 6 ) No one had permission to log into my online bank account or have access to any of my account information, I was never in XXXX, GA so I myself did not use my own card to take money out at an ATM. 
7 ) After the claim was finished with being filed i was set with a new checking and savings account 8 ) 10 business days later {$1000.00} in total was sent to my new bank account - XX/XX/XXXX 9 ) No call was received from resolution team, no email for contact along with no email of suspicious activity 10 ) Went back to 10 High Wells Fargo branch and was told that all my accounts were to be closed and they were not told why - XX/XX/XXXX ) A letter was received in the mail explaining, my case was to be closed along with my bank accounts because it was claimed that I did it myself or gave permission to someone else for this. - XX/XX/XXXX 26th

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 2020-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
I opened an account with them for {$110.00}. The took a fee of {$4.00}, which I knew about. I wait for a day for it to clear. Then it took them from XX/XX/20 to XX/XX/20 to claim that my ID was verified. I submitted my state ID and photo via cam several times. I contact their support about this. In this period my account was cleared, I do not know the exact date. I tried to make a purchase that apparently was on their blacklist. My account was restricted. This I was unaware of, as I was equally unaware of this blacklist of theirs. 

On the XXXX I requested that my account to be closed and the money return to origin bank. They then claimed that they can not do this and I must enter a bank on their website so that money can be transferred out and account closed. But they require you to enter your bank credentials, in effect giving them the ability to steal all your funds from your account. I have told them that this is completely not acceptable and they have ignored me since. I have tried to call their number XXXX XXXX XXXX. ' It does not matter which option you use the message is the same " We are experiencing high call volumes, please submit a ticket on the website. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mid-South Adjustment Co., Inc.
State: AR

Complaint narrative:
I recieved a letter from mid south adjustment onXX/XX/20 in regards to an alleged medical debt that they believed i owed. On XX/XX/2020 i paid {$100.00} to the original creditor, XXXX XXXX   XXXX ( documentation attached ). At that time the account was pulled from collections, which is shown on attached documentation. On XX/XX/20 i paid the remaining balance of {$90.00}, with {$0.00} remaining. The letter from mid south adjustment ( document attached ) claimed that i am involved in a lawsuit for the debt. I called them on XX/XX/20 and let them know that the debt was paid and that it is illegal for them to threaten to sue me, in order to receive payment. The lady i spoke to stated that she had no knowledge of me paying the debt. I explained to her that the documentation that they sent me clearly documented me paying the debt. She put me on hold, and came back and stated that she has no record of me paying the debt, and that i also have legal fees and court cost to pay. i ended the phone call immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was contacted on Sunday XX/XX/XXXX at 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 2020-03-03 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: VA

Complaint narrative:
I was on vacation and either I lost my wallet or someone stole it. I Had my personal information in there including my social security card. Who ever found my wallet used my information to take out loans in my name fraudulently.

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