vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-24 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: MI

Complaint narrative:
First contacted XXXX, Experian, XXXX XXXX and XXXX XXXX XXXX about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by XXXX XXXX XXXX, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX. I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked XXXX XXXX XXXX to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response whatsoever from XXXX XXXX XXXX. I resent these in XX/XX/XXXX certified Mail. All three credit bureaus have returned these disputes as investigated and as being mine on two occasions since XX/XX/XXXX with no evidence or proof I own these debts. No attempt to provide Proof of my responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and XXXX XXXX XXXX does not provide any proof of my responsibility.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/2017. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action

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 2018-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
First contacted XXXX, XXXX, XXXX XXXX and Bank of America about FOUR XX/XX/XXXX charged-off credit card accounts listed on my credit profile, the do not belong to me in XX/XX/XXXX. According to the credit reporting by Bank of America, theses accounts were opened in XX/XX/XXXX-XX/XX/XXXX and closed XX/XX/XXXX-XX/XX/XXXX.  I explained in my disputes in which I included copies of my drivers license and social security card that these accounts did not belong to me. I asked Bank of America to provide positive proof of my responsibility for these accounts in XX/XX/XXXX and XX/XX/XXXX with no response. All three credit bureaus have returned these disputes as investigated and as being mine twice now with no evidence or proof I own these debts. No attempt to provide Proof of my  responsibility in the form of an original credit application showing my name, an address Ive actually lived at, my social security number, and date of birth. So far, each credit bureau has returned results with no change, and Bank of America does not provide any proof of my responsibility.

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 2018-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XXXX/XXXX/XXXX. this account was open while being XXXX oversea. I am XXXX XXXX military and place for alert on my credit report to stop this type abuse from this company and I have ask this company to send me documents to show I open this account and sign for this account. Until this day they have not provide this information. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows :  XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
I visited a XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX FL two years ago. As a result, I had XXXX XXXX  XXXX to be exact so I paid out of pocket which means you have to pay upfront. debit card To be exact! long story short I received 4 XXXX XXXX that was not done correctly which ended up needing a XXXX XXXX XXXX on one of them due to the XXXX not being properly XXXX. as a result, it was a horrible story I contacted the XXXX a week later telling them about the pain I was experiencing even after them telling me lies stating the filling just need to be filed down or given a few weeks which turned into months. I wasted over 200 dollars dealing with XXXX XXXX XXXX. So after telling them of my dissatisfaction and to refund me for the terrible service they decides to not refund me or credit me and years later place the balance on my account as unpaid with some credit debt collection called XXXX XXXX XXXX on XX/XX/XXXX and it appeared on my credit report on XX/XX/XXXX to all 3 credit bureaus because I decided to dispute the transaction off of my debit card years before now all of a sudden I owe them wow so fraudulent. If i wanted to be evil I could've filed a lawsuit against XXXX XXXX for providing me with unprofessional XXXX work causing me XXXX   and pain. This XXXX place is a fraud. It has terrible reviews, they're doing terrible work and not resolving the issue and placing the fraudulent bill on people credit. I have contacted them before and I will contact them again and let them know of this issue.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX/2017-Refinanced higher interest loans while leaving lower interest loans by using XXXX for the total amount of {$190000.00}. 
Navient incorrectly received and allocated funds to loans that were paid by XXXX. 

After 2 months of reaching out to Navient to correctly allocate payments, Navient finally allocated the missing {$25000.00} of payments from XXXX to the correct loans. 

However, in doing so, Navient has now increased the principal amounts of other loans that were not refinanced by almost the same amount, {$24000.00}. Existing loans that were not part of the refinance now have incorrect principal amounts greater than the original amounts. This is a clear and blatant action from Navient to falsely alter other loan balances. I have proof of all loan balances before and after Navient 's adjustment that were illegally changed without my approval or knowledge. 

Navient continues to refuse my claims of improper payment allocations and refuse to accept any evidence to support my claims. I have taken screenshots, printed PDF copies of all my loans during the refinance process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts Cavalry, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: Fleet Financial, Inc.
State: CA

Complaint narrative:
On XX/XX/2017 a financial solutions company called " XXXX XXXX '' contacted me on the phone and offered me a refinance on my existing auto loan. 
I asked them about what interest rate they can give me and they asked for my personal information. I particularly told them that if there will be a hard pull inquiry l wouldn't accept it at all and they insisted me that it was definitely be a soft inquiry and won't hurt my credit score so l said OK, just give me the rate. 

And the next day when l checked my credit reports l saw that ; Five different hard inquiries on XXXX, 1- XXXX XXXX XXXX 2- XXXX XXXX XXXX 3- XXXX XXXX XXXX   XXXX 4- XXXX XXXX XXXX 5- XXXX Two different hard inquiries on XXXX ; 1- XXXX XXXX XXXX 2- XXXX XXXX One hard inquiry on XXXX ; 1- XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My son sold a camera to an individual a site and was paid by the individual via Paypal transaction. Unfortunately he is a XXXX XXXX therefore does not have a steady income and was not expecting for the buyer to return the item and had already purchased another camera to do a XXXX job to help me out with bills as I am permanently XXXX due to XXXX XXXX XXXX XXXX and living on a fixed income and we are living with my elderly mother as we are unable to be on our own at this time. As soon as we were notified by Paypal I myself personally contacted Paypal and spoke with a representative named XXXX approximately on X/XX/18 and I asked her specially if we could make monthly payments in good faith and explained our situation, I also asked her about collections and or credit reporting and she informed me that they do not report to credit angencies and that yes I could make payments on what I could afford. I then made a {$5.00} payment immediately and it was accepted by Paypal via electronic check therefore they accepted the payment therefore what I paid was accepted as good faith payment and it was not returned by Paypal therefore they had no right to send this account to a collection agency without any communication via phone other than one email I received and that is when I responded to them via a telephone call. I will not be harassed by this collection agency as I know my consumer collection law rights and all the processes that did not take place in the handeling of this account. I will also be contacting the BBB regarding PayPals failure to honor what they told me or the lack of any hard copy written communication to me regarding this matter! When I contacted Paypal initially regarding this matter and my means of helping my son pay the balance off they assured me that my account was notated and that they would accept what I could pay as long as I made a good faith payment which I did and I was never told it had to be any specific amount and when I asked XXXX told me just be sure to make a payment of what you can and I wil notate your account. So that is what I did. A few days later I received this notice?!! Also, the information needs to be changed to my sons name XXXX XXXX and I will provide his social security number to Paypal over the telephone because he is the the seller and needed to utilize my Paypal information to be able to sell the camera initially but I will be helping make payments towards this balance as he is not permanently employed and helps me out by working when he can get a job taking XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-24 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: Phoenix Financial Services LLC
State: FL

Complaint narrative:
To XXXX XXXX XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, Phoenix, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
To XXXX, XXXX, XXXX I recently ordered a credit report and noticed that your companies are reporting errors on my credit. The errors listed on my reports are all of the inquiries and the accounts XXXX, XXXX, XXXX XXXX XXXX, XXXX. that I am unaware of. I didnt apply nor inquire any new account. I have mailed over certified letters with receipt return hoping that the matter was resolved & correct. It has been more than 3 months and I have not received a response back. I have record of all the paper documents, threatening phone calls, and more. I would like this matter resolved upon taking legal actions on your companies. Please read the attached letter below for more.

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 2018-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
In XX/XX/XXXX, I used Coinbase to buy and sell Bitcoin. I have over 200 ( I 'm a XXXX citizen, but Coinbase are a US based company ) in my account which I now wish to withdraw.

On XX/XX/XXXX, I followed Coinbase 's instructions on how to verify my bank account. This required the sending of a SEPA transfer in Euros from my account to Coinbase using a specific reference code. A total of 6 was sent, in accordance with their instructions for minimum values. Coinbase claims that it will take 1-2 days to verify a bank account. I followed their instructions to the letter, and when my SEPA transfer showed up in my Coinbase account the stipulated reference was clearly visible.

I grew concerned after 4-5 days that I had not heard anything, but gave Coinbase the benefit of the doubt given that it was XXXX. However, after 10 days I decided to get in touch to check the progress of my account being verified. Coinbase 's website makes it very difficult to get in touch with them. The only mechanism for 'contact ' is a bot helpdesk which was unable to give any advice on the matter at hand. When I did eventually find an email address onXX/XX/XXXX, the email bounced because it is no longer in use. A response from Coinbase gave a separate email to contact.

I emailed this new address on XX/XX/XXXX to request an update as to when my bank account would be verified. My request was very clear - it stated that I had followed their instructions, successfully deposited a SEPA transfer, and that I just needed my account to be verified. I got a response that same day from an employee called XXXX, but it simply listed the instructions on how to verify an account - they did not make any attempt to address the specific issues outlined in my correspondence. I responded to XXXX within 15 minutes to clarify my request and ask that they simply confirm when my account would be verified. I then received a response the following day ( XX/XX/XXXX ) stating that my case had been escalated to a specialist. That is the last I heard from Coinbase.

I emailed them chasing a response on XXXX XXXX, XXXX, XXXX, XXXX, anXX/XX/XXXX, and have sent multiple XXXX/private DMs to their @ Coinbase and @ CoinbaseSupport accounts. They are simply refusing to respond.

At this point I am very distressed by this matter as I now believe Coinbase to be a scam company who are stealing money from innocent investors. Screenshots of my Coinbase account showing verified receipts of SEPA transfers with dates are attached as evidence of my having followed their guidance correctly, and to versify my account of the dates in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I deposited a check from my brokerage account to my US Bank checking account in the normal course. Us bank sent me a letter indicating they had reason to believe the check would not be paid. Customer service at us bank sent me to fraud, and then to my branch to resolve. They could not resolve the issue which was an unreasonable hold of 14+ calendar days to clear the funds.

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 2018-01-24 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: FL

Complaint narrative:
ON XX/XX/XXXXI SENT EXPERIAN AND XXXX XXXX XXXX A CERTIFIED NOTICE OF A OFFICAL CONSUMER DECLARATION OF COMPLAINT OF NOT PROVEN COMPLETE, NOT PROVEN TRUE, NOT PROVEN COMPLIANT MIS INFORMATION TO INCLUDE DEFICENT OF PROVEN METRO 2 COMPLIANT DATA FIELD FORMATTED REPORTING. I ALSO INFORMED EXPERIAN THAT I WAS ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL THEM TO REMOVE THE ACCOUNT WHICH WAS DISPLAYING VIOLATIONS OF METRO 2 COMPLIACE.XX/XX/XXXX I CONTACTED EXPERIAN AGAIN IN REFRENCE TO THE FALSE STATEMENT THAT WAS PRESENTED IN THE INVESTIGATION RESULTS ( PLEASE SEE ATTACHMENT ). I CONTACTED XXXX XXXX XXXX TO ALSO PROVIDE ME WITH SUFFICENT INFORMATION IN REGUARDS TO THIS ACCOUNT. THE CREDITOR NEVER RESPONDED NOR SENT REQUESTED DOCUMENTS. WHICH MAKES THIS A KNOWLING ERROR ON EXPERIAN AND THE CREDITOR. WHICH EXPERIAN STATES THAT THE ALLEGED CREDITOR CERTIFIED THAT THE INFORMATION IS CORRECT, COMPLETE, TRUE AND ACCURATE. PLEASE REVIEW DOCUMENTS THAT CLEARLY SHOWS INCOMPLETE, INACCURATE, NOT PROVEN TRUE, NOT XXXX 2 COMPLIANCE. 

INCOMPLETE ACCOUNT NUMBER NIETHER COMPANYS PROVIDED ME PAYMENT HISTORY IS INACCURATE, INCOMPLETE AND UNPROVEN CAR WAS SOLD BUT DOES NOT DISPLAY INFO- INCOMPLETE AND REPORTING LATE PAYMENT REMARKS/ UNPROVEN I HOPE THIS COMPLIANT SHED LIGHT ON THE UNFAIR ANDTHE DISREGUARDS THAT THE CREDIT REPORTING COMPANIES AND DATA FURNISHERS HAVE IN REFRENCE TO A CONSUMER CREDIT RIGHTS AND MANDATED LAWS

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