vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was attempting to buy concert tickets from a listing on XXXX. He suggested to use XXXX since it was involved with the the major banks of XXXX XXXX  XXXX, his bank, and Wells Fargo, my bank. He told me he would electronically transfer the tickets to my XXXX account upon receiving the XXXX XXXX, and I would get an email of the notification. No such email was rec 'd by me. He called me a few minutes later to tell me that the XXXX transfer did not go through because we haven't done it before with each other, and I needed to call the bank to confirm the transfer.This was my first time using XXXX. I called to file a fraud claim with Wells Fargo, they said the transfer had indeed been completed. I told Wells Fargo that they are facilitating fraud with other banks if there is no mechanism to unwind an unfulfilled, fraudulent transaction. It's simply wrong in this electronic age to allow banks to facilitate a fraudulent transfer of money, since two step verification with a security code can be installed to protect the sender and receiver in multiple steps of a transaction. 

The amount in question is {$200.00}.

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 2019-02-14 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: GA

Complaint narrative:
I'm in the market for anew XXXX XXXX so went to see about getting one from XXXX XXXX but did not get approved so I checked my credit report and I see a couple of items that are not mine. I contacted my local police and the FTC. I'm working on my own behalf. I need these items removed from my credit report because this is a complete inconvenience. 01 XXXX XXXX, 07 XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2019-02-14 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:
EQUIFAX, XXXX AND XXXX  ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

EQUIFAX : ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX ACCOUNT XXXX CHILD SUPPORT ACCOUNT XXXX XXXX   XXXX XXXX XXXX / XXXX XXXX  XXXX- IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE  XXXX : XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT MINE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Midwest Recovery Systems
State: KY

Complaint narrative:
Midwest Recovery Systems, I have had a collection from this firm removed several times from my XXXX, XXXX and XXXX credit files. First I have no knowledge of this debt and they never prove it accurate, next they continue to change dates of first delinquency so the credit agencies will allow it to report. Each time it is removed, they report it again months or even years later and just report a different first date of delinquency so that it will show up. This started in XX/XX/XXXX and 9 years later they continue, including again this week, thus once again sinking my credit scores will I once again wait for the CB 's to investigate and delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CO

Complaint narrative:
I traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) Equifax is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an I1 but they are also reporting a late payment in XXXX that is incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I mailed letters to Equifax, XXXX, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I had an account with XXXX XXXX ( part of Coinbase ) and had {$10000.00} in my XXXX XXXX account when, on XX/XX/18 they notified me via email that they were closing my account. They stated that I need to withdraw my funds from my account, but I was unable to login to my XXXX XXXX account to do so. 

This case did not involve digital currency at all, simply a USD wire I sent from my verified XXXX XXXX XXXX account that has not been returned. 

I called Coinbase 's customer support line and described how I was unable to withdraw my funds from XXXX XXXX, and asked to speak with a representative with XXXX XXXX. They stated that XXXX XXXX had no customer support phone number, but that they would assign a specialist to my case and due to the nature of my issue, they were going to " escalate '' my case for quicker response. They told me I should expect an email from XXXX XXXX " within 5-7 business days '' to work with me to resolve the case. I then received an automated email right after the phone call stating that they have opened the ticket for my case. 

After about 2-3 weeks, I had no calls or emails to follow up on the case, so I called again and emailed again and they said again that it was escalated and awaiting response by specialist and sent another automated email each time. For the next 6 or so weeks I repeated this and still got the same response and no resolution. 

It has now been 57 days since my account closure with no contact with a representative to send my funds back to my account. I think this is an unacceptable treatment of a customer. I have attached my email correspondence with Coinbase Support since my XX/XX/18 account closure notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Due to job loss coupled with mounting medical expenses, In late XXXX, we called our servicer, XXXX XXXX XXXX XXXX, requesting for a loan modification. Based upon our estimates, we needed a {$300.00}. Reduction from our current {$2800.00}. Payment. We requested that our 6.5 % interest rate loan be modified. They stated, they could not help us apply for a loan modification unless we missed two payments. We followed their advice, called back applied and was granted a temporary loan modification of {$150.00}. Less our original mortgage amount. We were told, if we paid it on time for one year, we'd be granted a permanent modification. We were successful in doing so. After a year we applied again for a permanent solution. We were told to keep paying our temporary modification while they decided the outcome. Six months went by, we paid on time, however what we got next was not a modification but a Notice of Default. We were told that the servicer has granted us the modification, that we " fit their requirements '' but the private investor on the backend did not agree. Shocked, we sought legal council.

Lawyer said, why are you still paying them, they are foreclosing on you, a date has been set. Stop paying them! We also learned we were a MERS loan and had been robo-signed. 
We pursued a lawsuit against them based upon lawyers suggestion. When our case came to trial, unfortunately we were unaware that our lawyers law firm was being investigated for embezzlement and our lawyer was being sued for sexual-harassment charges. At the time of our case our lawyer and the firm got disbarred, and is still currently without license. 
We hired a second lawyer. Waited 2.5 years for our appeal case to come up. Our second lawyer used the first lawyers defense and did not bring up the fact the first lawyer had not represented us properly due to their legal entanglement.

All the while, past due mortgage amounts and late fees racked up to {$350000.00}. 
We had paid both lawyers money each month that was equivalent to our mortgage payment, which was over {$300000.00}. in fees. Our appeal case was lost on grounds that our legal counsel did not put forth a good argument of why our case should be heard in court and the judge dismissed our case. Upon that outcome, XXXX XXXX immediately sold our loan to Specialized Loan Servicing and we are now being foreclosed on. We asked for a reconsideration of a loan modification with a reduction of principle however we have been denied the opportunity and are now in pre-foreclosure status. 

We don't want to lose our 30 % down payment, in the amount of {$280000.00}. we had put down on our home to get into it i. XXXX. Our loan balance prior to this happening was at {$610000.00}. We now owe them over a million dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: FL

Complaint narrative:
XXXX, TRANSUNION AND XXXX ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

XXXX : ACCOUNT XXXX XXXX XXXX   ACCOUNT XXXX ACCOUNT XXXX CHILD SUPPORT ACCOUNT XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE ADDRESS : XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX IS NOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXX IS 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 2019-02-14 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:
XXXX, XXXX AND EXPERIAN ARE REPORTING IN ACCURATE INFORMATION ON MY CREDIT REPORT. 

XXXX : ACCOUNT XXXX XXXX XXXX   ACCOUNT XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX IS NOT MINE ACCOUNT XXXX XXXX XXXX XXXX IS NOT MINE ADDRESS : XXXX XXXX  XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX- IS NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS NOT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX- IS 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 non-monetary relief
Consumer complaint received 2019-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Bank : Golden 1 credit union Card : Visa I was double charged {$150.00} twice by XXXX XXXX on XX/XX/19. I contacted the merchant XXXX XXXX in XXXX, ca and they said they only charged once when my statement shows {$150.00} twice. I contacted golden 1 to dispute the charges and they are refusing to return my {$150.00} back to my 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 monetary relief
Consumer complaint received 2019-02-14 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
I traded my auto in, that was financed by TD Auto Finance, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 
1 ) XXXX is reporting a late in XXXX and XXXX. They also have my account coded as I2 ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 
2 ) XXXX XXXX is reporting a 30 day late in XXXX and they are also coding this account as I2, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 
3 ) XXXX has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, I mailed letters to XXXX, XXXX, and Trans Union ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.

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 2019-02-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, I mailed letters to XXXX, Experian, and XXXX XXXX ; asking them to investigate errors on my credit report. They were supposed to respond within 30 days, but they have not.

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 2019-02-14 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: MI

Complaint narrative:
REPORT # XXXX I've requested your help and removing some fraudulent accounts this is not the first time that I've asked you to help me Experian is the only credit reporting agency that lease account still show up on but instead of helping you send me a letter saying you want recent copies of official reports filed with appropriate agencies you understand there is no recent reports the identity theft happened 6 almost 7 years ago and I'll be honest Experian is well aware of the problem this is not the first time I've contacted you for your assistance but you continue to give me the runaround I have sent this information to you many many years ago there is nothing recent there shouldn't need to be anything recent I want a supervisor to take over I don't want the fraudulent accounts and all the other inaccuracies to be removed from my credit report I don't understand if all the rest of the credit reporting agencies did this years ago why Experian is having such a hard time with it I gave them all the exact same information and they were able to fix my credit report but Experian for some reason doesn't seem to be able to do the same thing that XXXX XXXX places like that I can do without any issues why is that? In addition to the police report you're asking for copies of my ID which I have already sent you in the past I have not moved I've lived at the same address for almost 10 years at this point do you already have all my information sending copies of everything in the mail is only putting me at risk for more problems that you clearly aren't going to fix

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 2019-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I traded my auto in, that was financed by XXXX XXXX XXXX, for a new vehicle. The loan was paid off at this time. However, there are incorrect lates reporting. 1 ) XXXX  is reporting a late in XXXX and XXXX. They also have my account coded as XXXX ( 30 days past due ). How can I be late on an account with a {$0.00} balance and {$0.00} past due? This coding issue as well as the late payments are FCRA violations. 2 ) Trans Union is reporting a 30 day late in XXXX and they are also coding this account as XXXX, or 30 days past due. Again, the balance is {$0.00} and the past due amount is {$0.00}. It is impossible to be 30 days late on an account with no balance. They are also reporting an incorrect late. 3 ) XXXX   has my coding correct because they are reporting this as an XXXX but they are also reporting a late payment in XXXX that is incorrect.

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 2019-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
they call me 9-12 times a day 7 days a week up to XXXX even weekends and holidays it feels like harassment because I can't pay my loan back I have XXXX and XXXX and choose not to try for XXXX as I would probably be denied. I try to work but have a very unstable work history due to my conditions.and they keep telling me I have to be XXXX in debt or make these unreasonable payments or keep accumulating interest on this loan that I will never be able to pay. I have asked them to limit their calls and robot calls to me me but it continues from XXXX to XXXX 9 to 12 times a day. This is very stressful to me and is destroying my credit making it impossible for me to make my already difficult due to health reasons impossible. I understand I owe them money and they want it but calling me 12 times a day is not gon na fix my health condition it actually makes it worse and harder to not stress and makes the working condition worse. I need some serious help with this. They have called 3 times in the time it took to get this far on this complaint. XXXX from Navient has let 3 messages/ I do not have the money to pay and deferment just keeps making the debt bigger not helping me as my XXXX aren't going away only getting worse and can work less and less.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 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: CO

Complaint narrative:
XXXX XXXX XXXX  is reporting incorrect information on my credit report to Equifax and XXXX, resulting in a negative impact on my credit scores. They are reporting an account as 30 days past due when I do not owe anything on this account and there is no past due balance. This is coded as if I am currently late when, in fact, I am not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
PayPal holding back Consolidated joint General account information Merchant bank and processor information Credit card and billing information After XXXX XXXX XXXX And XXXX XXXX XXXX generational family survivors XXXX XXXX XXXX XXXX , Louisiana XXXX complete the signup process, paypal begin configuring and managing service ( s ) within the PayPal Manager, false advertising shadowing work history our online business and service management portal PayPal system accountability maintenance employment professionals promotions Wage and labor investment and good will donations Approval by XXXX XXXX USA holding Annual w2 Retirement update employees employment permanent 401k, Insurance injuries FMLA and pay rate and beneficiaries Dependents Insurance classification verification status years ended XX/XX/XXXX on XXXX XXXX XXXX born XXXX XXXX married to XXXX XXXX XXXX And Dependants Annual address XXXX XXXX XXXX XXXX , Louisiana XXXX update public storage systems accountable systems attached letters of Hornable Discharge awarding Home manger youth development Property Manager XXXX XXXX XXXX XXXX XXXX Birthday errors corrections Now on XX/XX/XXXX

Company response to consumer: Closed with explanation