vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 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: CA

Complaint narrative:
Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from XXXX XXXX from a XXXX XXXX account that was closed on XX/XX/XXXX. On XX/XX/XXXXI contacted XXXX and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by XXXX on that date that they would close the XXXX XXXX card as a possible fraud issue. On XX/XX/XXXX XXXX XXXX XXXX sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XX/XX/XXXXmy credit score dropped from XXXX  to XXXX, a 92 point drop, per XXXX XXXX web site. On XX/XX/XXXX XXXX  customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XX/XX/XXXXXXXX XXXX XXXX advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: CA

Complaint narrative:
I ordered a XXXX Internet service, but XXXX did not get the service setup - indeed I have attached a voicemail message from a XXXX representative where he states that the service was not setup, however XXXX proceeded to bill me for the service that never was setup and never provided. I have several times reported this both to XXXX and to the debt collector that XXXX gave this over to - all to no avail as they just say their records show I received the service. The fact is they could not setup and provide the connection to my home and acknowledged this in the attached voice message left on my phone answering machine ; however, XXXX continued to bill me for what never got installed. I sought internet service and they threw in a phone line as a special addon offer, but I never received any of these. Indeed, after a year of disputing and getting their acknowledgement that they in fact never sent me the box with their modem that was part of the original order, they then, one year later without my knowledge, sent the the useless box with modem that could not be used because they had never completed the line setup to my house and the service obviously was not setup even then. For many years I have tried to straighten this out but my credit has been lowered due to their false claim on my credit showing " XXXX XXXX XXXX '' for " XXXX '' as a bad, unpaid debt on Experian, XXXX and XXXX  all to my damage. Even with my proof ( see voicemail from their rep attached ) it never was installed, they insist their records say otherwise. These arrogant companies deserve to be fined severely and pay for the damages they cause!

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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 transfer XXXX from my binance account on XXXX and I still have not received the currency at all. I contacted customer support various times but they stop responding to me days after they respond to my request this honestly ridiculous. 
the amount i sent was XXXX XXXX. 
I have all the confirmations that it sent but coinbase still refuses to send me my money. 
I have even the blockchain confirmation that the amount was sent to the wallet they told me to send it to. 
https : XXXX all the info that is needed is here

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called capital One bank to dipute credit card information that was incorrect on my credit report on XXXX XXXX, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to XXXX to have account remove from credit. its has been more than 90 days and information is still listed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My husband XXXX XXXX a little over a year ago. He was listed as the borrower on a 2nd mortgage with Bank of America. I was never listed on any loan documents but he did add my name to the deed years later. The house is currently underwater and my real estate agent is trying to help me resolve the issues and short sale the property. Because I was added to the deed, I understand that I might have tax liability for the property if it is foreclosed, so I chose to sale instead. Bank of America is requiring me to send them financial information so they can do a loan modification and make me responsible for a loan that I cant afford. Even if they modified the 2nd loan, I cant afford the 1st. I moved out of the property because I could no longer afford to live there. They are claming that new CFPB regulations require this process but I do n't think I should have to send a debtor ( that I dont have a debt with ) my financial information for them to review and then potentially report negative information on me for not being able to afford it. My husband made a lot more than I did and now that hes XXXX I had to leave my home. Bank of America is taking advantage of my misfortune. FYI- the first loan has agreed to the short sale after completing a streamline process that did not require me to send any of my personal financial information.

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 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
OnXX/XX/XXXX, at the drive through window of US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, I processed a stop-payment transaction on a check for {$9400.00} I had made to a contractor who had done some work at my house. I determined that he had overcharged me, and when I telephoned him he became threatening. The stop-payment was suggested by my attorney. The check had not yet been submitted to my bank, so there should have been no problem. When the young woman at the bank 's drive-through window asked for the check information, I gave her the carbon copy of the check I needed to stop payment on. The check number was XXXX, but the young lady typed in XXXX and told me the transaction was successful. ( The number XXXX on the keyboard is accessed with the little finger of the left hand ; the number XXXX  with the little finger on the right hand. ) It was only a week later that I learned that she had typed in the wrong check number, when I received a letter from the bank telling me that the transaction was successfully executed. The check that the bank employee put the stop-payment on was not only for a much less amount, but it was more than 6 months old and had been paid long before to a different person. I first complained to the bank manager at the local branch on XXXX XXXX. When the bank would not provide any compensation for their mistake, I wrote a letter of complaint to the Missouri Division of Finance, which they forwarded to the federal Office of Comptroller of the Currency because US Bank is a national bank, which did n't even take my complaint seriously. Now the contractor will not even deliver materials already paid for, much less finish the work already paid for. Please help.

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 2017-12-27 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: MS

Complaint narrative:
There are inquires that is on my credit report that I did not authorize. They are XXXX, XXXX, XXXX XXXX, and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 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:
This letter is to inform you that Equifax has failed to vaildate and correct agencies validation that are being reported on my credit report. I have sent certified letters to Equifax in XXXX XXXX and I have spoken with several agents that can not give me the physical information that they received to validate these companies that are wrongfully reporting inaccurate information. Several of these companies are not bonded by the State of Texas to condurct third party collection and the other company can not validate services rendered, my physical signature, picture identification or a signed contract between myself and the compnay reporting. 
Due to the HIPPA law there is no way that the Equifax verfied these : XXXX XXXX XXXX $ XXXX Not my debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX Not Contract/Not accurate information reported XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX Services {$500.00} & $ XXXX No Contract/Not my debt/Can not verify accuracy I have been a victim of identity theft and I have the fraud alert on my credit report for serveral years now. The statement of the company gave a matching social  security can not validate the account if my social security number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Champion Mortgage Insurance Dept XXXX. XXXX XXXX XXXX XXXX, TX. XXXXXX/XX/XXXX COMPANY OBTAINED INSURANCE POLICY FOR ME WITHOUT MY INSTRUCTION TO DO SO. 
My condo insurance master policy covers my insurance requirements and our insurance agency faxed the insurance policy information to Champion on 3 dates last time was XXXX. 

they are charging my account {$690.00} for a policy they obtained and if not paid I would be in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
My Coinbase account has been locked out for over a month now. At one point I transferred over {$5000.00} from coinbase to XXXX. I tried to switch the bank account from my checking to my savings on Coinbase and at that point it would not let me re-add a bank account and it locked my XXXX account as well ( features of my Coinbase account are also locked ). I was invested in XXXX and the amount to which is now in there is much greater than my initial investment. I have called and submitted XXXX tickets and I can never get a clear answer as to why it was locked and when it will be unlocked. Tax time is coming up and I am concerned if nothing is done I will not know how much I have made off my investment. 

My Coinbase case numbers are XXXX and XXXX ( this XXXX created on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that 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 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: The Leviton Law Firm, Ltd.
State: CA

Complaint narrative:
XXXX XXXX with the Leviton Law Office in XXXX, Illinois called our business to collect a debt for a service we signed up for in the last calendar year. When given the information that our company cancelled the service she became hostile and threatened to have us arrested. 

1 ) XXXX XXXX never disclosed that the call was being recorded. 
2 ) XXXX XXXX never gave her name, I had to call the company directly and asked for her voicemail. 
3 ) XXXX XXXX refused to give the city/state where their offices were located. In order to attempt to collect a debt, you the collector must be in the same State as the individual/business they attempt to collect from. 
4 ) XXXX XXXX cited false collection laws. 
5 ) XXXX XXXX was hostile, shouting, and was inaudible 3/4 of the entire phone call. 
6 ) XXXX XXXX refused to provide the details on how much was owed on the collection account, and how much her " firm '' purchased the collection file for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
On Wednesday XXXX XXXX I solid {$1900.00} worth of XXXX XXXX on coinbase. {$1800.00} of which should have went into my XXXX wallet on their site as cash. The remaining {$28.00} was their transaction fee. As of this complaint i still have not received the money from the sale. After opening a complaint ticket that has only been replied to with a non related automated response and the waiting a total of XXXX hours on hold over the course of 3 days I was informed the money was sent to a nonexistent address and I would just have to wait. This does n't make any sense I have executed several transactions before and after this incident exactly the same way and it was fine. The system only requires you to click the icon for you XXXX wallet and then select your XXXX wallet to execute a sale at no point are you required to enter any information. So the possibility of a data entry error on my end is absolutely 0 %. I have now been waiting 14 days for a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent numerous of letter for the company to validate the bankruptcy on my credit report and they fail to do so. I have ask them to proved written signatures showing the validation of the bankruptcy and they fail to do that 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 2017-12-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: MS

Complaint narrative:
My mortgage was owned by PHH mortgage and was sold to XXXX in XXXX XXXX. The balances on the mortgage statements provided by PHH and XXXX do not match. I have made several attempts to have this corrected with XXXX however they are telling me they are not responsible for the accuracy of the balance provided by PHH when they purchased the loan. XXXX XXXX 's history and PHH 's history are not the same, XXXX XXXX is showing " restricted corp adv adj '' with amounts paid but balances are not reduced. My balance with PHH does not appear to have been credit correctly or timely from XXXX, large chunks of payments are removed and applied as " escrow or subsidy deposits '' These issues are present on both the PHH loan history and the XXXX history, however the issue that most concerns me is the fact that XXXX XXXX is saying I owe fees and charges that were not listed on the PHH loan history or statements from PHH. In XXXX, I received payment assistance from the XXXX XXXX XXXX ( XXXX XXXX ) and in XXXX, I did a modification with PHH. I am not sure the funds received during the XXXX were applied correctly and the modification amounts do not appear to be consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: MD

Complaint narrative:
On XX/XX/XXXX ( XXXX ),XX/XX/XXXX ( Equifax ) and XXXX ( XXXX ) I sent each credit bureau a certified 609 letter to verify the account that is allegedly owed by me to XXXX XXXX XXXX XXXX XXXX as they are reporting it on my credit report. They each deemed the account verified. On XX/XX/XXXXI sent a validation letter to XXXX XXXX XXXX XXXX XXXX with my name, date of birth, social security number and the account number that is on my credit report. On XX/XX/XXXX I sent each credit bureau another certified 609 letter to verify the account allegedly owed me. On XX/XX/XXXX I received a letter from target stating that the were in receipt of my request but can not locate an account referenced in my letter.I called Equifax and asked them how and who did they verify the account allegedly owed by me with. The agent stated the he could n't tell me that. I would like for you to help me get this removed from my credit report thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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:
I called XXXX XXXX XXXX to dipute credit card information that was incorrect on my credit report on XXXX 2017, I spoke to a supervisor and they could not locate any account with my name or social security number. I was told by supervisor that they will send an email to Equifax to have account remove from credit. its has been more than 90 days and information is still listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I submit a Payment with XXXX for amount owed, payment was not reported to collection agency and its still showing negative on 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 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I sent a money transfer on Tuesday XXXX XXXX XXXX from my bank account to Coinbase website for XXXX. The transfer should have lasted 1 or 2 days to be delivered. But one week later, I've n't received it yet. I sent an email to the customer service Friday XXXX XXXX but I didnt get an answer. We are on XXXX XXXX XXXX and still nothing. My case number to the custumer service is : Case # XXXX

Company response to consumer: Closed with explanation