vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-20 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: NC

Complaint narrative:
I made a formal request to XXXX, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX XXXX XXXX XXXX XXXX summary provided by XXXX XXXX XXXX XXXX. XXXX, XXXX, and Transunion are still reporting inaccurate, misleading, and outdated information for this account on my credit file.

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 2017-08-20 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:
I made a formal request to Equifax, XXXX, and XXXX on XX/XX/XXXX to correct the balance to show {$0.00} on a revolving account for creditor XXXX XXXX XXXX XXXX. As of XX/XX/XXXX this debt was cancelled and reported to the IRS. I have included a copy of the XXXX Cancellation of Debt form summary provided by XXXX XXXX XXXX XXXX. Equifax, XXXX, and XXXX are still reporting inaccurate, misleading, and outdated information for this account on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I received an alert today from my credit monitoring service. Collection agency COMMONWEALTH FINANCIAL, date reported XX/XX/XXXX, original balance {$520.00}, account number XXXX. Contact information not reported, XXXX XXXX XXXX  XXXX XXXX, PA XXXX. First delinquency XX/XX/XXXX. Its being reported by credit bureaus.This is clearly not me i have never received any written notice of collection or proof of verification & validation required by the fair debt collection act. Furthermore there is no phone number for me to call & speak to a real person. This debt has already been disputed & removed from my credit report with a different company for the same amount. I also have proof that there was no previous collections on my credit report in previous months. I 'm in the middle of buying a house & this has dropped my score over 70 points & making it impossible for me to close. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: NY

Complaint narrative:
My Coinbase account had verified my XXXX checking account and identity years ago. Recently after logging in and moving Bitcoins from my wallet to my vault I tried to move them back to my wallet. The transaction has been " waiting on approval '' whatever that means, for over a week now. I opened a ticket with their " support '' bot six days ago and have only received an email that says they got my request. No follow up, no contact. I found that one of the few things I could do in my Coinbase account was verify my bank account ( again ) so I thought maybe since it had been a few years I might have to do that. I started that process. They verify your account by sending two small sums of money. Usually a few cents. You then verify your account by verifying the amounts after you get them. They say it could take up to three business days to get the amounts. It has been four business days since I began that process and I have no small deposits in my account. I am frustrated because Coinbase " support '' does not support the customers. They do not respond to service tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
XXXX - I financed XXXX XXXX XXXX XXXX from XXXX XXXX XXXX via American Honda Finance, ( 72 month lease 15 % APR ). My credit score at the time was between XXXX. I traded in XXXX XXXX XXXXXXXX XXXX. XXXX - CFPB ordered American Honda Finance to pay XXXX XXXX dollars to borrowers discriminatory lending practices. I contacted the CFPB hotline to inquire, and was advised further information would be available in the coming months. XXXX - I was contacted by XXXX XXXX XXXX about refinancing my vehicle and/or trading in new vehicle. When I arrived after review from finance team, I was told I did not qualify for refinancing. I then provided the agent a copy of the CFPB consent order. The agent went to his colleague, came back and acknowledged the consent order, and was advised that if my monthly payments can be dropped from XXXX to XXXX after 3 consecutive months of on time payments. XXXX - CFPB posted article outlining steps to follow to participate in the settlement ( link : https : //www.consumerfinance.gov/XXXX ). I sent info to the administrator, but received a response letter stating that I was not affected customer of the settlement. Even though the XXXX interaction seemed to acknowledge that I was an affected customer in the settlement. XXXX - Received an notification of default letter via non-certified mail for the full balance of the loan. I made previous attempts on bringing my account current, but their threatening nature about the status of the loan had me very apprehensive about contacting them up to this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Around XXXX XXXX, 2013, I checked my accounts with Bank of America like I have done every morning. I had a joint checking acct with my son who was in college in XXXX at the time. The normal acct balance has always been low, since I was only able to afford to send him low amounts of money at a time. This morning when I checked the account, the balance was - {$880000.00}. I was shocked. I checked the transactions and they claimed that {$1500.00} was deposited early that morning, but they were a bunch of deductions taken. There was also a purchase of items over {$600.00} at a Rite Aid. All this happened in New York between the hours of XXXX - XXXX. I live in XXXX  and my son attends school in XXXX. I called BOA immediately to report there was some fraud going on. They took my information and I asked them to check the ATM to see who the person was that made the deposit and withdrawals. They deposited fake Money order and took out real money. I do n't know how they were able to do this. I had n't even has so much as a bounced check with them. I found that it was fraud through my son. They first cleaned out my checking and savings accounts and left me {$20.00}. I called and asked why did they take my money when I was the one who called and reported it. They told me " well as least we left you {$20.00} for gas. '' I was shocked they did that so fast without even investigating. Well, shortly after I completed all the necessary paperwork, they quickly send me a letter saying they did not believe that we did n't have anything to do with this. I thought the fraud department was suppose to investigate this. They place this on my record with XXXX XXXX even though I had absolutely nothing to do with this. I am unable to open an account now, and I am being treated like I committed a crime. I am currently looking for my documents. To show my complaint.

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 2017-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: OH

Complaint narrative:
I recently became aware that my father was the victim of an online dating scam. We have so far uncovered {$60000.00} in losses, and Im sure there will be more discovered as we dig further. He was using Money Grams to send cash, and the vast majority of these were purchased at the same XXXX in Ohio. He was sometimes sending multiple money grams in the same day, and he would also send them several days in a row. I find it hard to believe that none of the employees recognized this pattern or thought it was odd behavior, yet it continued to happen for a year. In fact, he was in the store so often that he knows the employees by name. I currently have 138 receipts, totaling {$59000.00} and counting - way too many to attach here. And a bigger concern for me is this who knows who he was truly sending money to? These people claim to be young women on a dating site, but no one can know for sure. Was this money going to a XXXX scammer or to someone much worse? This is terrifying to think about. While it makes me sick to think about how someone took advantage of my father in this way, I also want to take whatever steps I can to ensure this doesnt happen to someone else. Are there steps in place to educate these employees on what to look for? How can they intervene? Can they notify authorities of unusual behavior? They should have to take some sort of responsibility as well. Scammers are becoming more advanced, and there need to be some safeguards in place to protect those that are getting taken advantage of. In my opinion, the employees that were sending these 130+ money grams need to be one line of defense. I appreciate your time, and I sincerely hope you can look into this matter further and stop this from happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
Macy 's and affiliate collection agency has called 120 times over a 20 day period.

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 2017-08-20 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: NC

Complaint narrative:
Ever since XXXX XXXX, I 've been reaching out to Equifax about removing unauthorized inquiries on my credit report. I sent them at least two letters and disputed online about the unauthorized hard inquiries on my report but Equifax never removed them due to the inquiries to be " valid '' but could not provide proof of its validity. The following are the inquiries in question : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX (XX/XX/XXXX ) XXXX XXXX (XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: TX

Complaint narrative:
I AM AWARE THAT TRANSUNION HAD A GLITCH IN THERE SYSTEM IN THE SUMMER OF XX/XX/XXXX AND AGAIN IN EARLY XX/XX/XXXX. I HAVE CONTACTED TRANSUNION AND SENT LETTERS ABOUT INQUIRIES THATS LISTED ON MY CREDIT REPORT THAT I DO NOT RECONIZE. THE INQUIRES WERE DELETED FROM THE CREDIT REPORT THEN LATER TRANSUNION ADDED THEM ALL BACK ONTO MY CREDIT WITHOUT GIVING ME LEGALLY REQUIRED WRITTEN NOTICE 5 DAYS PRIOR TO THE READDING THEM. I HAVE CONTACTED TRANSUNION IN GOOD FAITH TO HAVE THE INQUIRES AND NO LUCK I KNOW MY RIGHTS AND WILL NO ALLOW TRANSUNION TO VICTIMIZ MY TRANSUNION

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 2017-08-20 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX : Chase requested information regarding a credit card requested in my name, suspected fraud. XX/XX/XXXX : Advised Chase that I did not request the credit and it was indeed fraudulent. Chase advised they would cancel the pending application and remove the credit inquiry from my credit report. They also advised me to request a copy of the fraudulent application in writing and they would release a copy to me so that I could file a report of the identity theft. Advised Chase again in writing on XX/XX/XXXX that the credit inquiry had not been removed and that they had still not provided me with a copy of the fraudulent credit card application that I had requested in writing. As of today, XX/XX/XXXX, still no response from Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-20 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: WI

Complaint narrative:
For years on many occasions, I called XXXX XXXX to inquire about student loan forgiveness for XXXX working with XXXX XXXX XXXX and XXXX XXXX XXXX. I was continually told, by XXXX XXXX, I did n't qualify because my beginning loan date was before a certain date. 

I found out many years later, all I would have had to do is refinance my loans. I refinanced two years ago, so instead of having my student loans forgiven years ago ( XXXX for 18 years ), I still have eight more years to pay. 

I would very much like to share the details of my story and receive guidance joining the lawsuit against XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: CA

Complaint narrative:
Capital One extorts money from elderly clients. My XXXX year-old father who has XXXX 's and XXXX never requested a new card. Captial One sent him a new credit card after his old card ( ending in XXXX ) had expired in XX/XX/XXXX. Along with the new credit card ( ending in XXXX ), Capital One charged a membership fee of {$39.00}. Capital One sent the new GM credit card AFTER I called, faxed, and mailed POA documents. Despite all the documents I have submitted, Capital One refuses to add me as POA. They insist I must provide them with my annual income and social security number. I have requested Capital One to provide a copy of their policy that verifies they will not share personal POA information with affiliates. As of yet, Capital One has not provided any such proof. Meanwhile, the initial {$39.00} charge has now become {$110.00}. Capital One began calling my elderly   father 's residence to collect payment on charges he never made. Captial One invented all the charges. Whenever I answer their calls, I explain the situation. Nothing is resolved. And on XX/XX/XXXX,  my father answered the phone and allowed Capital One to deduct payment from his bank account. ( My parents have also been the victims of prior financial abuse. They are {$450000.00} in debt. They have little money to spare! ) On XX/XX/XXXX, I wrote and sent ANOTHER letter to Capital One with POA and all required paperwork, ( save my annual income and social security number ). Capital One 's response was to send a form letter with an entirely DIFFERENT ACCOUNT NUMBER THAT WE HAVE NEVER SEEN BEFORE!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One bank is taking me to court over {$2000.00}. We missed a month and they said we had to pay {$300.00} and would n't work with us. We did n't have that money. So we could n't pay. Now I 've received a summons to court over {$2000.00}. We do n't have that kind of money. We are barley getting by. My daughter has a XXXX on her XXXX, my father in law is XXXX of XXXX, and I just recently had XXXX XXXX XXXX. I feel like my rights are being violated when it comes to the fair debt collection act for using abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
AD ADSTRA RECOVERY SERVICE ( XXXX XXXX ) I DONT RECALL HAVING ANY PAYDAY LOANS WITH THIS COMPANY I HAVE FILED A COMPLANT WITH THE BBB AND EVEN CONTACTED THE COMPANY. YHAT ARE INSEASTING THAT I OWE THE A BLANCE OF XXXX $ when I 've never taken out a payday loan with the company. I did take out a title loan which was paid in full because I received the title and later re sold that suv

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I recently received an alert on my credit and it appeared to be an account I was unaware of. I am sending this message in regards to the account showing that I opened up a new account on XXXX XXXX, XXXX. It is impossible to place an account on my credit file, it is a fraudulent action by your company. I was never contacted by anyone nor did I allow anyone to use my credit without my consent. Now I am seeking a civil case towards your company including XXXX. I did not apply for new credit. It is impossible to own an account after a month so you can remove this account for good. I do n't have any clue where this account came from. You are committing a fraudulent crime. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Over the past year and a half my credit score has dropped nearly 150 points. This in spite of the fact that my credit history is flawless on their own reports. It has been that way all my life. Nothing financial has changed in the last year and a half. What the agencies claim justifies the reduction is my low number of open accounts. That too has not changed for years. I am retired and have a decent SSA and portfolio income. I applied for an additional credit card to increase my accounts and the credit checks count as an additional negative. I own my home and cars. I recently bought a new XXXX and paid cash. That apparently was financially irresponsible of me according to the agencies. These people are malicious and need to be better regulated.

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