vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 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: AZ

Complaint narrative:
There are multiple things that are wrong with my credit report and I have tried to fix these error 3 times now and now I have had to hire a firm to dispute this information because it seems Im getting no where with them to get these issues resolved. I have tried multiple times to get this fixed and they wont remove it. My first issue is with the over 40 hard inquires where someone tried to obtain a loan of some kind either online or with a personal loan company but i have over 40 attempts to get a loan that I cant seem to get any help to remove. 2nd thing is XXXX XXXX is reporting that I owe them money for a credit card that was a secured card not a credit card that i initially had to make a deposit of XXXX dollars and that was my credit line. Someone gained access to my card and went to a place that is now out of business and bought one drink at a bar multiple times and tipped the person XXXX and XXXX dollars multiple times. I contacted the company once I realized it and the owner told me what was going on so I reported it to XXXX XXXX and they were going to follow up and I never heard back from either one and since then I contacted the establishment where the card was used and they are now closed. XXXX XXXX and experian have done nothing to help me resolve these issues. 3rdly I  moved out of an apt and apparently the gas was left turned on even after I moved out I was told the tenant never turned the gas over into his name so I was charged for the 3 months that it wasnt switched over I eventually caught wind of it and contacted XXXX XXXX XXXX and they told me I needed to contact the new tenant and how am I supposed to do that from Arizona. This isnt fair the landlord should of made sure the new tenant signed up for XXXX XXXX XXXX rather then let my account be charged. I also had a credit lock on my profile for about a year so I dont know why I have multiple inquiries to obtain multiple car loans and personal loans.

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 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD

Complaint narrative:
I was transferring {$160.00} to a colleague in XXXX on XX/XX/XXXX using Moneygram 's online platform. Since Moneygram states that inclusion of the middle name is optional. I did not include the recipient 's name when sending the money. When the recipient went to receive the money, their agents refused to give her the money on the pretext that her ID had a middle name which was not indicated in the transfer. 

The recipient requested me to speak to Moneygram 's customer service personnel to get this rectified. When I called them, I spelled the middle name several times as XXXX, but their employee entered XXXX. 

When my colleague went back to receive the money, they refused to give it to her on the basis of the spelling mistake made by their own stuff. Upon learning this, I called them once again. This time they refused to rectify it because an earlier amendment was done. They told me that the only recourse was to cancel it. I pleaded with them to pay it as it was because I did not have any more money to send, but they declined to offer any solution to that effect. 

I went ahead and canceled the transaction on XX/XX/XXXX. However, 9 days later today, they still haven't refunded me the money. I have called them several times but they insist I have to wait up to 12 days. Surely, a company that involved in money transfer should not hold on to someone's refund for more than 24 hours. 

My recipient also made me aware that their agents were using this confusion to force her into opening a checking account with them. This is deceitful marketing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-28 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: FL

Complaint narrative:
I am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 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: FL

Complaint narrative:
I am puzzled as to why your company continues to report errors on my report. 90 days ago I sent in an FTC Report showing my claims along with several documents. I called back to follow up and was told that maybe my documents have gotten misplaced. This is how credit breaches are formed and just recently I found out that my information was leaked in a past breach. This current dispute is being sent to you as an internal dispute and as well as an affidavit. Well this isnt the first time that this has happened to me. Well Im hoping that this is reviewed by a supervisor and not some careless person or robotic computer. I have attached a few documents down below.

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 2018-02-28 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: Midwest Recovery Systems
State: GA

Complaint narrative:
XXXX and XXXX and XXXX are reporting an account on my credit file that is not mine. I have never applied for any loans or any sort with this company. And due to this has caused my credit score to decrease and show negativity on my credit report. I know nothing about this company. However I have XXXX the company since learning of it being on my credit report and they are on a scam list. 
I have never ever applied for anything with them and would like to know how my information was provided to them to create such a scam. The company name is MIDWEST RECOVERY SYSTEMS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX This company is representing for another scam company :XXXX XXXX /XXXX I obtained all the above information from my XXXX credit report. 

The company claims that I owe {$1100.00} I OWE THEM NOTHING!!!!!! CAUSE I HAVE NEVER EVER APPLIED FOR FOR ANYTHING WITH THIS COMPANY. 
I AM PRAYING FOR RELIEF FROM THIS SCAM. 
Along with this I am also seeking legal help has well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I made a purchase on XXXX. Before making the purchase I contacted XXXX and I asked clarifying questions about the item I was purchasing. I won the auction on XX/XX/XXXX and I receive the items I was expecting. paying the listed price of {$39.00} dollars. I received the item in a reasonable amount of time. I was contacted by XXXX XXXX on XX/XX/XXXX, telling me that they shipped me the wrong item and that I need to ship it back or they were gong to charge my credit card for {$300.00} dollars. I felt like I received the correct item, and I no longer own the item to ship back. I offered multiple mutually beneficial options for us to resolve this issue. They were not interested in a resolution that was reasonable. They turned an amount of {$250.00} dollars over to IC Systems, a collection agency out of XXXX XXXX, MN. I feel like this is a ridiculous situation and an abuse of the debt collection process. I never agree to pay more than the listed amount in the XXXX auction. What is keeping XXXX from continuing to do this to other people. This feels like a textbook bait and switch some how. I just want to know what my rights and obligations are in this situation.

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 2018-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased a dishwasher from Home Depot recently, within 2 months, and I have had issues with the way it was installed and some of the sound proofing flowed out of the machine after I found the door cracked due to the installation of the dishwasher. The installers apparently removed a small piece of molding that ran beside the dishwasher and it got caught in the door. When I ran the dishwasher, when I returned home there was water all over my flooring. The molding is now discolored. I have tried to contact the store and at first could not get anyone to even answer the phone in the appliance department. I finally spoke to the store manager and an assistant named XXXX. They promised someone would contact me, which has not happened. I purchased the dishwasher due to a leak and now my new dishwasher leaked on my hard wood floors and is now damaged.

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 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is incorrect on my credit report I have submitted prove using my License social security number and a utility bill and nothing have been updated or removed from Experian

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 2018-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion, XXXX and XXXX are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>

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 2018-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America fail to protect my social security benefits from garnishment on XX/XX/2018 by putting a hold on my benefits. Ref # XXXX. How can i prevent this from happening again?

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 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, Green tree servicing offer a loan trial modification. I respectfully accepted the offer and made all trial payments on time. Sometime on XX/XX/XXXX, the servicer provided two sets of loan modification agreement, the contract was executed by me and was sent back to the servicing company as per their specification and/or instructions. I continued to make the monthly payments timely in accordance with the contract signed and the servicer received all monthly payments for the years to come. 

On XX/XX/XXXX, I received notice that the debt was transfer or sold to XXXX XXXX and that all payments must be made to the new company starting on XX/XX/XXXX. Pursuant to the notice of servicing i made the attempt to make the monthly payments to the new servicing company, however XXXX XXXX decline to accept our payments and stated that we green Tree Servicing never sent them copy of the loan modification agreement and therefore could not honor or process my payments. 

I contacted Green tree and demanded a copy of the executed agreement. According to Green tree servicing, a loan modification agreement was sent and was never executed. This statement is false, green tree had me executed two separate agreements and requested that i sent the original. Green tree Servicing made the promised to sent a copy of the agreement executed by them and never did. 

It is obvious that the servicer has engaged in deceptive and unlawful banking practices while in violation of the Department of Treasury HAMP program. Ones a loan modification agreement is executed and the servicer takes your payments for two years is clearly an indication that the account has been resolved. It took us by surprise that after servicer took our payments for two years to suddenly claim we never had an agreement whenthey sold the loan. 

XXXX XXXX has refuse to accept our payment and have defaulted the account on purpose thus no fault of our own.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I noted on my credit report that there was an account in collection, placed at IC System, in XXXX XXXX, MN, for a debt related to " XXXX XXXX XXXX ''. 

I called IC System, and they said it was for XXXX XXXX XXXX services at " XXXX XXXX '', in XXXX, TX. I live in XXXX, TX, and have never lived in XXXX, and have never used the XXXX XXXX XXXX service. The representative stated that I would need to go to XXXX, and fill out a police report, and file a fraud complaint. I believe this invalid credit reporting should be removed from my credit report, as this debt is clearly not mine.

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 2018-02-28 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: EQUIFAX, INC.
State: WA

Complaint narrative:
XXXX, XXXX and Equifax are allowing lenders to access my credit file and then ruin my credit report by allowing lenders to do 17 hard inquiries on my report without my concent. XXXX XXXX at XXXX XXXX XXXX XXXX has used this information incorrectly and as a result lowering my credit score. I only gave permission to allow one hard inquiry on my report, instead they spent 3 days applying for credit in my name without my permission. I also gave XXXX permission to only run my credit score once. So, what these lenders are doing, is reporting false information to the reports so we are stuck paying them instead of moving up in the world and getting decent credit. So, they are all in direct violation of Anti-Trust Federal Law and Ive been collecting evidence on this activity for sometime now that will hold up in a court of law. I'm never financing anything ever again. You can keep your corrupt low credit scores and reports. Completely worthless waste of space. It is interesting though, how you have XXXX XXXX in revenue and are living large. Where is all your money coming from? It isn't coming from me anymore. Keep your scores and reports. YOU ARE WORTHLESS TO ME> I AM NEVER PAYING INTO YOUR SYSTEM EVER AGAIN>

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: GA

Complaint narrative:
The week of XX/XX/XXXX I received a XXXX form from US Bank. It was a suspicious form because it was fairly nondescript, included a withholding amount but not an income/interest amount, and because I do not have an account with US Bank. I have only the US Bank REI Credit card. 

On XX/XX/XXXX I used a phone number I found online for the company, because I did not want to call the number I received on a suspicious form. The individual who answered the call ( the person I initially spoke to ) indicated that I should call the number on the form. I repeatedly told her that the form was suspicious for the reasons listed above and I was concerned about this being a scam. After telling me two or three times that she was " sure I should just call the number on the form, '' only then did she mention that she was not from customer service. I asked her to connect me to customer service. I spoke to a customer service representative who was very cordial who told me that the XXXX was sent out in error and that I would be receiving a corrected one " soon. '' I thanked the representative and got off the phone. 

I proceeded to search for any mention of this error online on the US Bank site or elsewhere to see what standard advice I could find. Nothing was posted anywhere about this issue, even though the representative told me that many customers were affected. 

I received no corrected letter, and became concerned because it is tax season and I need to proceed with filing taxes. On XX/XX/XXXX I called US Bank again. I again spoke with another representative who did not originally know about my issue, but put in the effort while I was on hold to find out. She then came back and said that " only today '' the company had decided that corrected letter would be sent out to anyone affected, and that I should receive one in 7 days. I found this interesting since I was told a month prior that I would be sent a corrected letter. 

To date I have still not received a corrected letter. I believe prompt resolution is important during tax season for an erroneous tax form. To date, there is still no notice on the bank 's online site about this issue or anything that would give affected customers peace of mind.

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 2018-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH

Complaint narrative:
I check my credit report and there is an account from Wakefield & Associates reporting as a collection account. The account number is XXXX for {$1300.00}. This does not belong to me. I have been a victim of identity theft. This company has not contacted me or sent me any kind of communications so that I could inform them that the account does not belong to me. They just posted it 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 2018-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
COINBASE BANK TRANSFER DEPOSIT I made a international bank transfert ( XXXX ) for deposit on my COINBASE account on the XX/XX/2018 
Afterwards, I have realized I have made the transfer from an unsupported country ( XXXX XXXX ) according to COINBASE website. Therefore, there was no indication to make sure the actual bank transfer is not from an unsupported country during the process of how to make a deposit on a COINBASE account. 
I have no updates from COINBASE on where is my money, if it has been credited on their account in XXXX, if the money has been send back to me, I have no deposit on my COINBASE account either. I can not use it on my account as it doesn't show any amount on it. 
I have sent 3 differents complaints on COINBASE website starting from 10 days after I made the bank transfer, and I only had pre-made replies out of subject initially, and then NO MORE REPLY ... 
I am absolutely ALONE now. 
NO one from COINBASE is trying to contact me and help me or giving me status of that situation or updates.

I have called them in USA on their Support phone number as well but NO ONE replies ... 
I don't know anymore if I will get my money back from COINBASE. 
I NEED HELP.

Company response to consumer: Closed with explanation