vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
On XX/XX/XXXX I was looking for a new car, I happened to find a brand new car out at XXXX XXXX XXXX in XXXX XXXX, Nevada. I purchased a XXXX XXXX XXXX XXXX brand knew. I was very happy my XXXX was the maker of the car Kia Motors Finace. Well XXXX, XXXX, XXXX a tragic event happened in my life and, our house caught fire. Evberything we had was lost encluding my brand new car that was in the gargage at the time of the fire. Our home was a two story home, so everything on the bottom story off the home was burnt encluding the gragagr as, thats where the fire took place it was a bad water heater, that exploded the landlord, never replaced the water heater the whole three years we lived there, and we were going to buy this home as, soon as, our lease was up. any how we have been trumatized we lost everything. All our things nothing was saveable. In the mean time I started the claim right away in fact Kia Motor finance started working with my Insurance XXXX right away cause I lost allo the paperwork in the house fire everyone was so helpful. I had full coverage Insurance Gap two extended warrantys on this car, we all agreed on this on a conference call if Kia Motors will look back at there calls. The loan was for XXXX at the time of the purchase that is what was financed to me in XX/XX/XXXX when the insurance and, gap plus the payments I made from XX/XX/XXXX IN THE AMOUNT OF XXXX you would think the car would be paid in clear,, nope I get a statement in the mail stating I owe Kia Motors Finance XXXX then the lady I spoke to was lieing about me having any warrantys cause at this point I told her why werent the warrantys appied there should be a credit balance thats what I was told when I spoke to Kia Motor Finance in XXXX on the XXXX, XXXX when we had a three way with my insurance. She told me owe sorry I found them but, you got to cancel them I canceled them when the fire happened back in XXXX when I filed a claim with everyone, I told the dealer to cancel them when I replaced the car after the fire. This car should actully be paid off without the warrantys even being applied. GREEDY PEOPLE PERIOD -- -- -- -- -- why did Gap only pay XXXX when my car insurance paid above the acv value? XXXX I never missed one payment the time I had the car not one. I even always paid extra on some payments. I just lost everything my home everything I own I have exhusted my accounts, to try and, live I live in a one bedroon right now with maybe a weeks worth of outfits, and underwhere but, you want XXXX, XXXX when I had two warrantys that were for XXXX and, XXXX that where never even used, and I only had the car not even 9 months with less then XXXX miles on it at the time of loss. This is insane that car is paid it was paid before you even got the warranty money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SunTrust bank  Withholding information from me since XXXX XXXX when I reported fraud and suspicious activity on account under my ex put me on as a courtesy. 
I have gone in person ( XXXX XXXX XXXX va XXXX regional Manager at the time & XXXX XXXX XXXX XXXX va in person to branch manager slender tall fellow. ) the branch manager stated to me after I told him someone had been transferring my monies out of my XXXX XXXX XXXX XXXX   XXXX va accounts that I could get only! 300 approx out of SunTrust bank ) I have sent certified letters SunTrust corporate XXXX XXXX XXXX  va Recently SSA finally sent and disclosed to me the direct deposit accounts that were fraudulently changed on my XXXX checks. 
There were four changes made thru federal reserve bank to SunTrust bank. The routing numbers and account numbers are stated by the SSA letter from miss XXXX in the XXXX XXXX nc SSA office are attached in the attached pdf file And the numerous checking account numbers on file at the SSA administration SunTrust bank XXXX XXXX boss left me a message on my XXXX phone telling me XXXX XXXX would find out what happened. I returned the SunTrust banks calls and faxed them also. No response. 
One of the accounts are still open I believe. as per XXXX she stated. Numerous accounts opened under XXXX XXXX XXXX XXXX XXXX with a atm card linked to them I have never had a SunTrust atm card period.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?

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 2019-08-02 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: FL

Complaint narrative:
I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: FL

Complaint narrative:
I would like to know what happens, that your level of authority as an arbitrator or as a guarantee to users or clients of credits, can not take action against a company, which does not respond or in this case they ignore to eliminate the negative quota in my reports How long should I expect them to take action on this?

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 2019-08-02 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX  XXXX and XXXX 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 2019-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On multiple occasions I have been preapproved for a new account by American Express. I have gone through there tool to see if they preapprove me for any of there products. I get special customized offers generally with higher signup bonuses than advertised for some products. Yet when I accept the pre-approval I get an instant denial because I am on their black list on a couple of accounts totaling about {$3000.00} worth of balances included in a bankruptcy from 8.5+ years ago that I believe were primarily derived from authorized users purchases that I at the time of filing for bankruptcy requested that American Express reaffirm, so that they would be paid in full and I would still have a charge card with them. American Express refused to reaffirm and charged off the balance. 

I have called multiple times to find out when I will be removed from there black list, or be able to become a card holder again as I have seen on many credit foreums that they have been getting more lenient with people who have had past bankruptcy discharge that included American Express. I have been told not until I pay the {$3000.00} back which to me does not seem fair as they have approved people who have discharged far more than {$3000.00} and have approved the, for substantial credit lines on there revolving cards, and I am currently only looking at there pay in full monthly card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I had sent XXXX XXXX from XXXX XXXX to Coinbase Exchange so that I could sell the currency. At the time worth approximately {$10000.00} ( Current value at the time of writing this complaint, {$8500.00} ) My Coinbase wallet address and destination tag were included. The transmission receipt shows that Coinbase received the currency however it was never credited to my Coinbase wallet. I contacted Coinbase XX/XX/XXXX to inform them that my funds hadn't arrived in a timely manner and they told me it would take five days to investigate. Immediately after getting off of the phone, I received and email from Coinbase support stating that it would take four to five weeks for a specialist to review. So I called back and they assured me that they would escalate the case. I have received several automated email messages since, stating that my case is being reviewed by an account specialist. This is still unresolved. 

Transaction XXXX : XXXX XXXX    XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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:
I have disputed the student loan account with XXXX for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

US DEPT  ED XXXX, US DEPT ED XXXX, US DEPT XXXX XXXX, US DEPT ED XXXX XXXX US DEPT ED XXXX and US DEPT ED 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 2019-08-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have disputed the student loan account with XXXX  for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX and US DEPT ED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery continues to furnish information on credit file. The medical bills are a HIPPA violation. Many employers and colleges declined me due to issues with my health. This is belittling. I'm requesting information removed from credit file.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: CA

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2019-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Collection agency reported a collection debt to my credit report with XXXX  and XXXX without notifying me of the debt in writing. Only phone calls. Disupted entry with XXXX and demanded validation of the debt. They reported " Information verified as accurate '' and nothing else and no other information was sent to me. As of XX/XX/XXXX, no written communication of any kind has been received by me regarding this debt and calls continue.

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 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: CA

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX   XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX   XXXX  XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

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 2019-08-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed these accounts, filed a police report, and submitted a FTC complaint. Upon reviewing my credit report in XX/XX/XXXX, I noticed 4 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XX/XX/XXXX {$1000.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened Wells Fargo Everyday Checking account on XXXX XX/XX/2019. The account was having the promotion ( attached ) that within 120 days : 1. If i had a cumulative direct deposit of {$3000.00} then i will get {$400.00} cash back reward. 
2. Open with {$25.00} balance 3. Open account online.

For last 3 months I got {$1000.00} direct deposit. When i inquired about {$400.00} cash back reward, Wells Fargo is giving me hard time and coming up with new excuses for not giving me {$400.00} cash back bonus.

I reached out to them via secure email ( attached ) It seems even after scam of fake account opening, some way or the other Wells Fargo want us to open the account.

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have not been able to obtain my credit score and information for Experian in over 1 year. I have called, went online and sent letters but none of those methods worked. My scores for XXXX  and XXXX  is over 740 but my information for Experian is not appearing.

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX XXXX 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 2019-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
All major credit bureaus are refusing to remove information reported by XXXX XXXX inaccurately. Account not paid late and paid per the terms of a payment agreement.

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 2019-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Please remove the following inquiries as these are suspicious to me : XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  and XXXX, I

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