vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Komyatte & Casbon, P.C.
State: IN

Complaint narrative:
I already reached out to the credit bureaus and to this company to notify them of their errors. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. When XXXX XXXX XXXX XXXX did not send any response to my correspondence, I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
Ive been having trouble making transactions with XXXX, everytime i try to link my debit card it td bank keeps blocking me everytime i try to buy, even devit card saved under XXXX XXXX will not work this is causing me to lose money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Multiple attempts to request action to prove and or remove delinquency to no avail

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 2018-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Multiple attempts to request action to prove and or remove delinquency to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Multiple attempts to request action to prove and or remove delinquency to no avail

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 2018-01-17 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: Gatestone & Co. International Inc.
State: FL

Complaint narrative:
I received a letter today and noticed that it read a collection account was established under my identity. I have never inquiried or purchase any items from XXXX XXXX XXXX ever. So I am puzzled to why a letter would come in a mail in a form of debt collection on a wireless account. Your company has violated my rights and my credit profile. I wont allow anyone to mishandle my credit profile nor my identity. If I find that my identity was used without my consent which it seems in this case that is what exactly happened. I will contact my lawyer and look to take legal actions against your company. I am determined that I have proof that this is not a debt that is mine. I am unaware of the debt. I will be heading to my County Courthouse first thing tomorrow morning to file a lawsuit. I will not settle nor accept any debt to be placed on to me or my credit profile. I demand that this is investigated and removed immediately upon receiving this message. During the investigation I would like to know the process of verification step by step, I want to know everyone and anyone who will be working on my credit file. I will be keeping a copy of all documents, certified letters, recordings, upon the time of proceeding to the courtroom to settle this error that was placed onto my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: IN

Complaint narrative:
A few months again I asked enhanced recovery to verify these are indeed my 2 cell phone bills. I still have n't received anything. They wanted to collect money! I told them I do n't recognize this debt or owe any money to this creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I 've tried to dispute online and over the phone and still no help in getting this issue resolved. There are 2 XXXX accounts and XXXX XXXX XXXX XXXX. There reporting as installment accounts and past due. Collection agencies ca n't report The type of account are listed as installment. Please remove this incorrect information. Are not a creditor and I have never entered an installment account or agreement with the company. 
The account status is shown as Past Due. Please delete this incorrect information. not a creditor, you can not report an account as past due or current. The XXXX XXXX XXXX XXXX has most recently reported is {$3500.00} and listed this account as 120 days past due. Please remove this incorrect information. There is no payment history to report as XXXX XXXX XXXX XXXX is not a creditor.Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with them they are not a creditor. The Payment status is listed incorrectly as past due date as of XXXX2017. Please remove this incorrect information. I have no terms or installment agreement with them not a creditor. Enclosed will be a sample of how Equifax says accounts should be listed and mine is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My account was reported as 30 days late in XXXX 2016.  XXXX XXXX XXXX XXXX showed a {$0.00} payment due at the time. They also had the wrong address on file and never sent a bill to the correct address. I have disputed this matter over 3 times with no correction to my credit report. I have even called several times to get the issue corrected and there has been no update to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX XXXX solicited me for entry into a payment plan to pay down the debt on my XXXX credit card. They unilaterally set a monthly payment date of the XXXX of the month. When I called them to make the first payment on XXXX XXXX, I explained to them that I would make the first payment that day but that I could not do so going forward. I explained that I would have to have my due date come in the latter half of the month. XXXX XXXX  representative that day said that that was no problem and that I could make a payment that day, then call back after my payment was finalized in order to change my due date. I called back later that month and the representative then claimed that I could NOT change my due date and that I would have to pay on the XXXX, despite the first representative 's promise. I escalated this issue to a supervisor, who said he would listen to the XXXX XXXX call and help me if the original XXXX XXXX representative did say they would change my due date. This supervisor never called me back and/or never left a message. XXXX has now refused to listen to the XXXX XXXX call and live up to the representative 's promise to provide a changed due date. I have made my XXXX payment now mid-month because paying on the XXXX was simply not possible. But now XXXX has threatened to cancel the payment plan entirely because the XXXX payment will have been late and the XXXX payment will be as well. This is fraud on XXXX XXXX part, because I explained before I made the XXXX XXXX payment that I could not have the due date be the XXXX of every month. That is impossible due to my rent, which takes up most of one of my two paychecks every month. XXXX has now marked my credit report as 30 days past due EVEN THOUGH I made the XXXX payment timely and was not 30 days past due on the XXXX payment plan payment. XXXX is not honoring its own internal payment plans or the representations of its agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Investigation took more than 30 days
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
failure to provide proof of late payments, was already removed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal keeps on putting holds on my account for no reason. This is ridiculous! They peremently limited me because I spoke my mind and gave feedback!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
The information XXXX XXXX XXXX is reporting is inaccurate. They falsely reporting fraud to Early Warning Services and fraud or negligence never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
failure to provide proof of late payments, was already removed from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
failure to provide proof of late payments, was already removed from 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 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: DE

Complaint narrative:
I received a copy of my credit report. In detailed it listed a collection account that I have never opened, signed, or agreed to this account. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have disputed the following address XXXX XXXX XXXX, Texas XXXX with Experian for I have NEVER resided there. My driver 's license has never had this address. Experian keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.

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 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.

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 2018-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the following address XXXX XXXX XXXX, Texas XXXX with XXXX for I have NEVER resided there. My driver 's license has never had this address. XXXX keeps allowing several creditors to report this inaccurate data on my report. I 'm not sure how they have linked this address with my name. You can contact the Texas Department of Public Safety to confirm this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
When I received my Wells Fargo Business Card statement for XX/XX/XXXXXXXX, there was a {$600.00} Cash Advance taken without my knowledge on XX/XX/XXXX from my Business account XXXX XXXX XXXX. I never take out cash advances on any of my credit cards. I told the bank this when I opened my business account on XXXX/XXXX/XXXX under both my maiden name and married name. I asked Wells Fargo Bank in XXXX, NC for documentation and the signature was electronically superimposed on the form. This account ended in XXXX - XXXX XXXX XXXX Platinum Card. They responded that it " appears to match my signature on file. '' I made a payment in cash on XX/XX/XXXX at that bank on another credit card. I manually did not sign for any cash advance as I try to keep my balances paid off or I pay {$1.00} - XXXX on my credit cards and would have no need for {$600.00} when I paid the other card in cash that same day. The time was not stamped on the cash advance form. I went to XXXX that day also. Without the video of that transaction, showing me counting the {$600.00} in front of the cashier, I know someone in that bank, having access to numerous signatures, particularly my Business Operating Agreement looked similar except the account has two last names, not just one. No printed receipt of the cash being paid to me either. This was no mistake, my personal banker was terminated and is under investigation for this. A rep. from the XXXX XXXX, NC branch wanted to transfer to XXXX and is now sitting in my personal banker 's office. This bank scammed me and is covering up for the person who actually hacked my account. They may have done this cash advance scam on others who do n't check their statements. I requested a form two weeks ago from your office so I could mail my documentation but it did n't come. Wells Fargo is FDIC but refuses to provide the video showing me getting the {$600.00} because they do n't have it. They took out my middle name from my signature files and only put my married name on it, Since XX/XX/XXXXI have had accounts with Wells Fargo and NEVER one cash advance. PLEASE investigate the Wells Fargo SCAM of taking Cash Advances from their customers.

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 2018-01-17 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have sent letters in XXXX & XXXX about Experian reinvestigating each hard inquiry on my credit report. I have not received any response to this matter in the mail. I have had identity theft in the past and Experian has the police report and identity theft report on file. My SSN number, multiple credit cards and more were taken at that time. I had 3 burglaries between 3 years XX/XX/XXXX-XX/XX/XXXX. Multiple hard inquiries on my report I did not make and have no permissible purpose to have them reporting.

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 2018-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Focus Holding Company
State: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX. IT HAD AN UNKNOWN COLLECTION REPORTING FOR {$79.00} FROM A COMPANY CALLED XXXX XXXX XXXX. I CALLED THE COMPANY ASKING ABOUT THIS UNKNOWN COLLECTION ON MY ACCOUNT AND THE REPRESENTATIVE TOLD ME THEY DO NOT HAVE A COLLECTION UNDER MY NAME OR SSN. I ASKED THE REPRESENTATIVE TO SEND ME SOMETHING TO SEND TO THE CREDIT AGENCIES AND HE REFUSED. THIS ITEM DOES NOT BELONG TO ME AND IS HURTING MY CREDIT. PLEASE HELP ME IN REMOVING THE ITEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi iv deposited a considerable amount of money into my coinbase account and have been locked out of my account since with no access to my funds. I have contacted customer service several times by phone and email. They say someone will be in touch but have had no reply yet. I have tried all the steps on their website and colleagues nothing seems to work. I spoke to an advisor on the phone and asked to speak to a manager and was told no one was available and when asked for the managers name I was told I cant be given it. I am begging for assistance- cant sleep at the moment my case number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I BANK AT CHASE. I RECENTLY FOUND A VEHICLE I WANTED TO PURCHASE AND WANTED TO USE A DOWN PAYMENT. I WENT INTO CHASE BANK IN THE XXXX AREA, I PROVIDED MY CREDENTIALS ( DRIVERS LICENSE & CHASE BANK CARD W/ PIN ). THE CASHEIR 'S CHECK WAS FOR {$9000.00}. THE TELLER TOLD ME SHE NEEDED TO GET APPROVAL. HER SUPERVISOR CAME OVER AND WANTED TO VERIFY ADDITIONAL INFORMATION ( MY SSN, MY FULL ADDRESS, MY NAME AS IT APPEARED ON THE ACCOUNT, MY MOTHER 'S MAIDEN NAME, MY DATE OF BIRTH, MY PHONE NUMBER ON FILE, AND EVEN THE LAST COUPLE OF DEPOSITS ) FOR THE AMOUNT REQUESTED. AFTER VERIFYING MY ENTIRE LIFE TO THEM, THEY TOLD ME THAT THEY COULD N'T APPROVE THE CASHIER 'S CHECK BECAUSE THERE WAS A FLAG ON MY ACCOUNT DUE TO NOT ENOUGH ACTIVITY. THE SUPERVISOR THEN TOOK MY DRIVER 'S LICENSE INTO HER BOSS ' OFFICE. I WAS SO UPSET AND EMBARRASSED, I CALLED CHASE BANK CUSTOMER SERVICE ASKING WHY IS THERE AN ALERT ON MY ACCOUNT AND WHY COULD N'T I GET MY CASHIER 'S CHECK TO PURCHASE MY VEHICLE. THE CUSTOMER SERVICE REPRESENTATIVE SAID " I DO NOT SEE ANY ALERTS OR RESTRICTIONS ON MY SIDE SIR, YOU SHOULD HAVE NO PROBLEM GETTING YOUR CASHIER 'S CHECK '', THEN THE REPRESENTATIVE PUT ME ON HOLD TO VERIFY THAT WITH THE FRAUD DEPARTMENT THAT THERE WAS NOT ANYTHING IN PLACE ON THEIR END. THE REPRESENTATIVE CAME BACK ON THE LINE AND TOLD ME THAT HE SPOKE WITH FRAUD AND THEY DO NOT HAVE ANY ALERTS OR RESTRICTIONS ON MY ACCOUNT AND THAT I SHOULD HAVE BEEN ABLE TO SUCCESSFULLY RETREIVE MY FUNDS WITH NO PROBLEMS AT THIS BRANCH. I WATCHED EVERY LAST CUSTOMER WALK IN THAT BRANCH AND WALK BACK OUT WITH ALL THEIR CASH WITH NO ADDITIONAL VERIFICATIONS OR ANYTHING. I HAD TO PROVIDE MY WHOLE LIFE STORY TO THIS BRANCH AND STILL WAS LIED TO SAYING THERE WAS ALERTS ON MY ACCOUNT AND FLAGS NOT LETTING MY ACCOUNT BE PROCESSED. I WAS DISCRIMINATED AGAINST BECAUSE OF MY SKIN COLOR AND MY OUTWARD EXPRESSION THROUGH CLOTHING, OTHER INFRACTIONS WERE PROBABLY VIOLATED DURING THIS PROCESS. IT TOOK FOR CUSTOMER SERVICE TO CALL THIS BRANCH AND TELL THEM TO GIVE ME MY CASHIER 'S CHECK TO GET IT AFTER 37 MINUTES. THE EMBARASSMENT AND EMOTIONAL HURT IS WAS AT AN ALL TIME HIGH. I SUFFER FROM XXXX, XXXX, XXXX, AND NUMEROUS OTHER CONDITIONS. THIS IS NOT HOW A VETERAN OR ANYBODY FOR THAT MATTER SHOULD BE TREATED. I 'VE THOUGHT ABOUT TAKING THIS TO THE MEDIA TO SHOW THAT THESE TYPES OF PROBLEMS ARE STILL VERY ACTIVE AND ALIVE IN OUR BUSINESSES TODAY. I AM GLAD A HAD A FRIEND OF THE FAMILY THERE WITH ME TO HELP ME THROUGH THE UNFORTUNATE EVENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I wired {$5000.00} to coinbase, inc on XXXX XXXX, 2017. I did not include the account reference code in the wire. 

I contacted Coinbase customer support and they promised a wire reversal. Weeks have passed. Repeated attempts to contact coinbase again regarding issue was unsuccessful.

Company response to consumer: Closed with explanation