vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I Have wrote this company a letter after looking at my credit report with fraud information they have failed to remove these fraud account or even investigate my dispute with proper documentation. I have sent them a notary from the federal trade commission. They failed to even investigate this manner

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 2018-01-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
First XXXX and my last name not right on my credit report hard inquiries not matching

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: Conn's, Inc.
State: TX

Complaint narrative:
First XXXX and my last name not right on my credit report hard inquiries not matching

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: DISCOVER BANK
State: TX

Complaint narrative:
First XXXX and my last name not right on my credit report hard inquiries not matching

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: FL

Complaint narrative:
I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX at XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Date XX/XX/XXXXRE: Providing debtor with false information and theft of debtors money.Freedom Mortgage CorporationXXXX XXXX XXXXXXXX, IN XXXXAccount Number Dear Sir or Ma'am:On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act.Your response letter dated XX/XX/XXXX (attached) failed to validate the debt. You claim I owe XXXX, yet your own records fail to prove that.  Reporting a false amount is a violation of  15 USC 1692e(807)(2)(A), The false representation of, the character, amount or legal status of any debt.For a detailed report go to XXXXOn XX/XX/XXXX, you received another money order from me in the amount of $XXXX, yet you listed it in my account as $XXXX dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money.For a detailed report go to XXXXI herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. Based on your owe records I owe $XXXX less any minor fees, which will be mailed out to you by priority mail. All monies received from me by Freedom Mortgage has been in the form of certified funds;Specifically; United States Postal Money OrdersBased on your own records (attached), you are attempting to collect additional monies that are not authorized by the agreement that created the debt.Specifically; $XXXXPer your own records;1. XX/XX/XXXX, was paid in full on XX/XX/XXXX.2. On XX/XX/XXXX, you show a disbursement of $XXXX and XXXX respectively, That was the $XXXX you received from the creditor, XXXX XXXX wherein I had mistakenly sent it to them. The $XXXX listed on the account was also forwarded by XXXX XXXX to you. I have emails from XXXX XXXX confirming this.On XX/XX/XXXX you received a payment from me in the amount of $XXXX and another payment from me in the amount of $XXXX on XX/XX/XXXX, despite your attempt to show it as only $XXXX dollars.$XXXX+$XXXX+$XXXX+$XXXX = $XXXXAs my XX/XX/XXXX payment was for $XXXX the XX/XX/XXXX payment was paid leaving a balance of $XXXX to be applied toward XX/XX/XXXX payment.That leaves $XXXX owed for XX/XX/XXXX. Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you $XXXX less any minor fees.The above referenced amount due (XXXX) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday XX/XX/XXXX, so no penalty can be attached to XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have been paying on my student loan for 9 years, and recently noticed the total balance barely changed. Went to Navient website XX/XX/XXXX, and exported entire loan history to XXXX. Using the information provided I determined I 've been paying an average of 55 % interest since XX/XX/XXXX. 
I can not get any explanation with online tools and can not hold long periods of time on phone with automated system. Finally, appropriate email contacts are difficult to find or not published.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: FL

Complaint narrative:
I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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 2018-01-11 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: FL

Complaint narrative:
I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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 2018-01-11 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I applied for a XXXX XXXX XXXX card to receive a {$150.00} signup bonus and start earning points. After looking into the account they pulled my information as a hard pull so I requested to have the account canceled over the phone and inquired about removing the hard inquiry since the bonus was, not linked either. The representative from XXXX insisted he could not help, but was sorry. While reading his script, I paid down my balance and then he said we ( XXXX XXXX ) can not take care of this which led him to give me information to sum it up with Experian. After calling Experian, they insisted that XXXX XXXX would have to write a request to Experian on behalf of the incident. I already have a secured account with XXXX XXXX as well as a 3 year relationship. In hindsight, I recently applied for a XXXX XXXX unlimited account and received no hard pull as well as a higher credit limit! Lastly, After relaying over the phone for 1.5 hours with XXXX XXXX the gentlemen either hung up or the call was disrupted which led to me calling again for another 30 minutes with no real results. After receiving information to speak to Experian I still had XXXX XXXX one pointing the finger saying we can not help you and I was left with a new credit card to which I canceled, a hard pull on my credit score, and a lowered 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 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX17 I initiated a sell of digital currency with Coinbase.com in the amount of {$3300.00}. It has been almost a month and I have yet to receive the money from the sale. I have sent numerous emails and have yet to receive a reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
On XXXX XXXX, I transferred {$4900.00} in BTC ( bitcoin ) from my secure wallet to my Coinbase Account. This transaction is still pending 9 days later and Coin Base will not reply to any support tickets I create concerning this problem. Additionally, when I click view transaction on Coin Base 's website, there is a message saying that the transaction hash can not be found. 

I would like a member of the Coin Base support staff to either correct this issue or contact me in order to have it corrected. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: PR

Complaint narrative:
I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: PR

Complaint narrative:
I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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 2018-01-11 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: PR

Complaint narrative:
I have incorrect information shoeing a car repossed and late payments on my mortgage which i have never been also it shows late payments on a joint account i never agreed to its all errorz. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless

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 2018-01-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
Date XX/XX/XXXX RE : Providing debtor with false information and theft of debtors money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Account Number Dear Sir or Ma'am : On XX/XX/XXXX, I sent you a letter disputing the debt and requested that you validate the amount owed in accord with the Fair Debt Collections Practices Act and the Rosenthal Fair Debt Collections Act. 

Your response letter dated XX/XX/XXXX ( attached ) failed to validate the debt. You claim I owe {$2700.00}, yet your own records fail to prove that. Reporting a false amount is a violation of 15 USC 1692e ( 807 ) ( 2 ) ( A ), The false representation of, the character, amount or legal status of any debt. 

For a detailed report go to XXXX On XX/XX/XXXX, you received another money order from me in the amount of {$300.00}, yet you listed it in my account as {$3.00} dollars. Another clear and unmistakable violation of 15 USC 1692e et seq. You are stealing my money. 

For a detailed report go to XXXX I herein continue my dispute of the reported amount I allegedly owe and request you properly validate the debt by furnishing me with all relevant and required documentation. 

Based on your owe records I owe {$1800.00} less any minor fees, which will be mailed out to you by priority mail. All monies received from me by XXXX XXXX has been in the form of certified funds ; Specifically ; United States Postal Money Orders Based on your own records ( attached ), you are attempting to collect additional monies that are not authorized by the agreement that created the debt. 

Specifically ; {$940.00} Per your own records ; 1. XX/XX/XXXX, was paid in full on XX/XX/XXXX. 

2. On XX/XX/XXXX, you show a disbursement of {$840.00} and {$150.00} respectively, That was the {$1000.00} you received from the creditor, Sun West wherein I had mistakenly sent it to them. The {$100.00} listed on the account was also forwarded by Sun West to you. I have emails from Sun West confirming this. 

On XX/XX/XXXX you received a payment from me in the amount of {$400.00} and another payment from me in the amount of {$300.00} on XX/XX/XXXX, despite your attempt to show it as only {$3.00} dollars. 

$ 1000+ $ 100+ $ 400+ {$300.00} = {$1800.00} As my XX/XX/XXXX payment was for {$1200.00} the XX/XX/XXXX payment was paid leaving a balance of {$580.00} to be applied toward XX/XX/XXXX payment. 

That leaves {$640.00} owed for XX/XX/XXXX. 

Which means, to clear out XX/XX/XXXX and XX/XX/XXXX payments, I need to send you {$1800.00} less any minor fees. 

The above referenced amount due ( {$1800.00} ) less any minor fees was mail to you via priority mail on Friday XX/XX/XXXX. You should get it by Monday the XX/XX/XXXX, so  no penalty can be attached to XX/XX/XXXX 's payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: GA

Complaint narrative:
After receiving a promotional code for opening a First Tennessee checking account, I opened an account with the code online on XX/XX/XXXX. The promotion code was XXXX and it stated that I would receive a {$200.00} bonus after " ... an opening deposit of at least {$100.00}, and at least one direct deposit must post to your account within 60 days of account opening. '' I opened the account with an initial {$300.00} deposit, and I had 2 direct deposits of {$500.00} each from my employer post within the given time frame on XX/XX/XXXX and XX/XX/XXXX. I am in a state targeted by this promotional code ( GA ), and I have never opened or attempted to open any account with First Tennessee before. Even though I met all of the requirements, I did not receive the advertised bonus. I sent a secure message on XX/XX/XXXX to First Tennessee in order to inquire as to why I had not received the bonus. I received a reply on XX/XX/XXXX that incorrectly stated that the offer I applied for " was not a valid offer for your area ''. The terms clearly state that the offer is valid for the following states : AR, GA, MS , NC, TN, or VA. I reside and opened the account in GA, so I in the targeted region.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
The account/student loan has been on my credit report for more than 10 years and it still on there, how do I get it removed from all 3 credit company ( XXXX, XXXX and XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Prospect Mortgage, LLC
State: IL

Complaint narrative:
I was a bonifed tenant for the property that went into foreclosure. I signed a contract stating I would be out by XX/XX/XXXX and I was. I was never paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Resource Systems, Inc
State: IL

Complaint narrative:
I have an outstanding bill with this company. That was never my responsibility. During former disputes I requested debt verification that was never given to me. I also advised the original creditor that the hospital bill in connection with her services where paid in full by the state of Illinois. ( Can provide proof upon request ) she straight out refused to bill XXXX and I never received a bill from her for her services. I also never received a bill from this company before I was submitted to the credit bureaus. There reporting reported once a month adding about XXXX dollars to the collection which I did not agree to nor was I advised. XXXX XXXX recently sent a letter to this company which was returned to my address. They sent debt verification to my house with the original contract and bill from the original creditor this will be sent to the state of Illinois tomorrow. Now with them adding money to the bill it came out to XXXX but on what they sent me and now on XXXX it shows XXXX as in picture down below. I 'm not sure this is legal as I did n't sign for them to do this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
On XXXX XXXX, XXXX, I transferred XXXX euro to Coinbase. 
XXXX XXXX, XXXX, I received notification from Coinbase that they were rejecting the deposit and returning the funds to my bank within 2 business days. 
XXXX XXXX, email from Coinbase Support says it has located the transfer and that it has been returned to the originating bank. 
XXXX XXXX, XXXX : From Coinbase : " I can confirm this transfer has been properly documented. Our engineers and payments team are working to resolve. '' XXXX XXXX, XXXX : from Coinbase : " Our payments team processed a large batch of reversals over the last couple days. I can see your reversal has started, and will likely complete early this coming week. '' XXXX XXXX, XXXX : I send an email to Coinbase offering to alternative payments methods to get my funds back to me. I receive no response. 
XXXX XXXX, XXXX From Coinbase : " We have confirmed this to be an issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert. '' I have sent roughly 50 emails in total since XXXX XXXX, XXXX in order to get the above four responses from Coinbase. Even though they acknowledge the error, I have yet to receive my funds back from them. 

I simply would like the immediate return of my XXXX euros as promised by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX Attempted to verify ID on Coinbase, through their website and mobile App XX/XX/XXXX ID is verified. 4 valid documents, 13 failed documents shown. 
XX/XX/XXXX Wire Deposit {$20000.00} from XXXX account. Verified Deposit of {$19000.00} XX/XX/XXXX Attempt to use the money. Buying disabled. Withdraw disabled. Contact Support. 
Coinbase is unable to verify my ID. There seems to be a verification process for depositing money and different verification for withdrawing/buying money. 
XX/XX/XXXX Case is Escalated and duplicated Case # XXXX and Case # XXXX XX/XX/XXXX-XX/XX/XXXX Account is unable to verify my ID. Contact support multiple times, send in additional documents. Unable to resolve. 
Coinbase seems to be holding my money and not releasing the funds.

Company response to consumer: Closed with explanation