vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
on or about XX/XX/XXXX I received a letter from CBE group indicating that I owe {$15000.00} to the current creditor listed as XXXX XXXX. ( original creditor XXXX XXXX XXXX ) debt was incurred between the years of XXXX and XXXX. 
original account number : XXXX CS number : XXXX the letter states that unless I dispute all or part of the amount the creditor will assume the debt to be valid. the letter also states that upon written request the office will provide verification of the debt or forward a copy of judgement. 
on or aboutXX/XX/XXXX I contacted CBE group and spoke to a CSR before requesting to be transferred to a supervisor. I informed a Mr. XXXX XXXX that I would be requesting written verrification as outlined in the letter AND filing complaints with all appropriate organizations. 
on or aboutXX/XX/XXXX I submitted a request for written verification. 
on or about XX/XX/XXXX I called CBE Group to request status. I was informed that the case was returned to XXXX XXXX and no futher action would be taken CONTRARY TO STATEMENTS in the letter received on XX/XX/XXXX. I was referred to XXXX XXXX 
XX/XX/XXXX I spoke to XXXX XXXX re : the above and was referred to CBE Group. 
XX/XX/XXXX ANOTHER call to CBE Group and I am informed that the case was returned to XXXX XXXX. 
as of XX/XX/XXXX I have received nothing further. 
I was never a customer of XXXX XXXX XXXX until XXXX purchased XXXX  XXXX. I am still a XXXX customer and there are no outstanding issues with my account. 
a search of the XXXX XXXX XXXX files for XXXX XXXX indicates that this scam has been perpetrated on others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PCR Group
State: CA

Complaint narrative:
I received a notification about my credit going down due to a collection I look and seen that it was from account adjustment bureau and I contacted them and explained that I paid and closed that account last year so they said they was sending me information to dispute it and I receive the information and its in accurate. Can you please look further into this action because I always paid rather late I never not paid thank you have a bless day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly a repossession on the XXXX partial account number XXXX. ( Please see page 3 of the attached credit report. ) I voluntarily turned this car in at the dealership where it was then sold at auction. I was sent to collections for a larger amount then what was originally owed. It is illegal to take me to collections for an amount owed above what the original debt was. This incorrect reporting is harming my credit score and this item needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: AZ

Complaint narrative:
I disputed 2 accounts on my credit report that show as open bu are more than 7 years old. When I requested Transunion to remove the accounts per the fair credit reporting act, they did not do so.

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 2019-07-02 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly a repossession on the XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I voluntarily turned this car in at the dealership where it was then sold at auction. I was sent to collections for a larger amount then what was originally owed. It is illegal to take me to collections for an amount owed above what the original debt was. This incorrect reporting is harming my credit score and this item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group
State: OH

Complaint narrative:
The revenue group which says they are from the Ohio attorney general office claims I ( or my business they refuse to tell me which ) didnt pay state sales tax back in XXXX I informed them this is a mistake I this was a very small business and my average collected sales tax was only a few dollars a month and I never missed or was late on my remittances. 

They claim I ( or my business ) owns them over XXXX dollars! 

I make XXXX dollars a week and can not afford legal help my business closes on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit System # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I noticed an unauthorized money transfer on my bank statement from my Coinbase account. I logged on to verify and then contacted Coinbase on XX/XX/XXXX. They disabled my account while they investigated, I received an email on XX/XX/XXXX asking for follow up questions ( Case # XXXX ). Another on the same day saying that my request has been elevated. On XX/XX/XXXX, I received an automated notification that the case had been resolved and closed. I tried to login to my account but it was still disabled. I contacted Coinbase for help. After repeatedly trying to reach them on the customer service line and being disconnected, I submitted a new Case # XXXX- Disabled Account on XXXX. 
On XX/XX/XXXX, I received an email Case # XXXX stating that having investigated the issue, I am working with a specialist to address it properly. I was told I would get a follow-up with an update. The same email came again on XX/XX/XXXX. XX/XX/XXXX, I received an automated email with a different case number ( XXXX ) thanking me for contacting Coinbase and notifying me that they closed my case. I phoned and asked when I would have access to my account and was told that XX/XX/XXXX I would have access to my account. My account is still disabled. I have tried to call..I have tweeted..I left a callback number and was called back, I was asked to log in to XXXX by the support person, I did and then he disconnected me and never called back. I found a XXXX phone number for Coinbase I spoke to someone named XXXX XXXX, he told me that the only resolution was to close my account and the funds would be returned to my checking account but then began a XXXX message asking what other cryptocurrency accounts I have and requesting I send XXXX BTC to this account XXXX before XXXX XXXX tomorrow to have my funds credited to my bank account. He also told me the current amount in my account which I couldnt verify because I dont have access. I have all emails and screenshots of conversations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.

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 2019-07-02 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: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly a collection in the amount of {$7400.00} on the XXXX partial account number XXXX. ( Please see page 24 of the attached credit report. ) The original amount owed was {$2000.00}. I have tried to make a payment plan on what I owe however, I have still not been provided with any itemization and/or any documentation as to what the additional {$5400.00} is for. This false reporting is harming my credit score.

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 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I received a preapproval letter from Wells Fargo for $ XXXX. We entered into a contract to buy a property on XX/XX/XXXX with a closing date of XX/XX/XXXX. On XX/XX/XXXX we received a GFE   for the loan from Wells Fargo. We were verbally told that closing would proceed pending final approval. However the loan was not approved. Despite not approving the loan Wells Fargo proceeded to conduct an appraisal and charged my credit card {$480.00}. The Appraisal was conducted on XX/XX/XXXX after they had told me the loan was not approved. 

I was not aware the appraisal was conducted until seeing my credit card statement and receiving the appraisal in the mail. I contacted XXXX XXXX, my mortgage banker at Wells Fargo who stated " it was my understanding that the appraisal was canceled and that you should receive a refund on your fee '' however nothing was done. I then disputed the charge with XXXX XXXX, and Wells Fargo successfully fought the disputed charge which was then reinstated on my account on XX/XX/XXXX. In subsequent conversations and emails with XXXX XXXX, he recalls the situation and has encouraged me to complain to Wells Fargo management.

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 monetary relief
Consumer complaint received 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX card XXXX year XXXX XXXX  XXXX positive XXXX, negative on Transunion year XXXX XXXX XXXX not mines and it has XXXX XXXX. year XXXX XXXX  XXXX XXXX XXXX closed XXXX XXXX  XXXX XX/XX/XXXX XXXX not mines XXXX XXXX  XXXX XXXX XXXX not mines don't know where it came from

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 2019-07-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX card XXXX year XXXX XXXX XXXX positive XXXX, negative on XXXX year XXXX XXXX XXXX not mines and it has XXXX XXXX. year XXXX XXXX   XXXX XXXX XXXX closed XXXX XXXX XXXX XX/XX/XXXX XXXX not mines XXXX the XXXX XXXX XXXX not mines don't know where it came from

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
I am filing a complaint against SLS Loan Services. They are making up numbers about my escrow account and refusing to take XXXX off my principle balance on my 73rd month of my Hamp loan modification. ( XXXX of 2019 ). I am willing to pay the XXXX shortage amount and the new monthly payment of XXXX I get no co-operation and they are trying to get me to go into forclosure. I am currently ahead on my house payments. ( paid thru XXXX ) SLS requires a minimum cushion of XXXX which I paid on XX/XX/2019. They are making up numbers and trying to confuse me on purpose. I have contacted them and the XXXX  many times without response.

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 2019-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/2019 I downloaded the money gram app to send money for business services to a friend in Ohio. I live in XXXX. I sent {$1500.00} and money gram fee was {$19.00}. a few minutes after I sent the money and received notification that my transaction went through. I then received another email stating my transaction has been cancelled and I will receive a refund within 3-10 days. at this point I called money gram asking them why was my transaction canceled they told me for security reason to protect me and the person receiving the money. I said that's not even a valid explanation and why isn't my money returned to my bank account immediately. I been calling them since XX/XX/2019 and they can not help me I even called my bank to see if they could release my funds and my bank said they cant release my funds until they receive something from money gram showing they cancelled and voided the transaction. money gram also tell me they cant send my bank over anything that I just have to wait. I don't have any money. XXXX is a lot of money for money gram to be holding my money for no reason if they really cancelled the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: IL

Complaint narrative:
I sent your " EXPERIAN '' a " POLICE REPORT '' in XX/XX/XXXX stating this XXXX XXXX accounts didn't belong to me. Experian deleted XXXX XXXX accounts off my credit report. One year later 'Experian '' put the XXXX XXXX accounts back on my report claiming that XXXX XXXX told them they belong to me. I went to court on XX/XX/XXXX before a " JUDGE '' I PROVED these accounts with XXXX XXXX DO NOT BELONG TO ME!! THE JUDGE DISMISSED THE CASE. I HAVE SUPPLIED SEVERAL COPIES OF THE STAMPED COURT DOCUMENT TO EXPERIAN. 

Experian is stating they will not accepted a certified stamped signed document from a 'FEDERAL JUDGE '.

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 2019-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I contacted Midland Funding on or around XX/XX/2019 and was given the phone number to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX at XXXX and spoke with XXXX ext XXXX. A recorded agreement was made with XXXX that I would pay {$1300.00} on account # XXXX and {$3600.00} on account # XXXX. Two separate checks were sent to XXXX XXXX XXXX via certified mail the checks were received and cashed on XX/XX/2019. I was told that they would send me information that I have not yet received as well as they did not report to Funding that the payments were received. False information continues to be reported to the credit bureaus. This has also been reported to the credit bureau. XXXX is reporting that the information of said payments have not been made and that what Midland Funding reports has been " verified. '' I have copies of checks that have been cashed my XXXX XXXX XXXX and would like them to be just in the information that the are refusing to submit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
XXXX XXXX XXXX sued me for a medical bill that was unpaid. The attorney & XXXX, ( the collection agency ) was the conduit of information as I did attempt to contact XXXX in XXXX Maryland to get resolution. I had insurance at the time of my hospital stay but there was a misunderstanding of where or how the billing was submitted. The bill for about {$1300.00} was denied and that's what the lawsuit was for. In the meantime I missed all their attempts to contact me until they sent a process server who served me with court papers. I had insurance with XXXX and they attempted to process the bill once they had my correct insurance member ID. They currently have pending judgement on my credit even though this has since been dismissed. I sent a certified letter to have this removed from my credit report and it has not been removed yet. Letter was sent to XXXX - XXXX XXXX, XXXX. XXXX XXXX, XXXX DE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: CA

Complaint narrative:
Equifax and XXXX are reporting collections on the XXXX and XXXX  XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 13 and 14 of the attached credit report. ) I never even qualified for these loans because I am a convicted felon. ( Please see the attached court document. ) These accounts are being reported on my credit report in error. This incorrect reporting is harming my credit score and these line items needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02 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: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-02 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: GA

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe 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