vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw XXXX new hard inquiries XXXX/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hi guys how you doing, well what happened was that i saw my credit score drop XXXX points on XXXX XXXX so when i look in to it i saw XXXX new hard inquiries XXXX/XXXX XX/XX/XXXX - XXXX XXXX, XXXX XXXX XX/XX/XXXX Please i need your help clearing this. I did not apply for or request credit from neither one. Thank you and Happy Holidays.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
The balance on my XXXX account with Chase is XXXX, this includes a purchase in the amount of XXXX XXXX XXXX XXXX XXXX made on or around XX/XX/XXXX. This purchase was not received, XXXX left package at incorrect address, signed for by a XXXX XXXX. No one by this name lives at my address. Chase disputes as well as a XXXX XXXX in Executive Office is well aware of this information, XXXX XXXX keeps referring me to disputes team who refers me to another dept which is never open when I call. This purchase has been in dispute off and on Since XXXX, still no resolution. The balance was paid off less XXXX at one point, the amount in dispute. However, the account has since cycled and additional interest and fees charged. The last payment I made in the amount of XXXX posted on XX/XX/XXXX, I need this credited back as well as interest and fees related to purchase in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I got the loan put on my credit card even though I am still in college and can not pay it off. I can not take out other credit cards and improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I feel that my privacy was violated in that sensitive and personal information regarding my personal debt was provided to my brother in law, who has no business knowing my personal situation. Midland called him and instead of verifying the identity of the person they were speaking to, they proceeded to provide him with my debt situation. I do not understand why they did not verify who they were speaking to securely ( I had to provide my social security number when I called in before they would talk to me but they did not ask my brother in law to provide any method of identity verification upon speaking to him ). I feel violated and am very upset. It is bad enough that I am in this situation ( which I take responsibility for ) but now a member of my extended family is also aware and it is humiliating.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I was shopping at Best Buy and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to BEST BUY. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
at COINBASE My account has been frozen for some " identity '' issue. They have re-verified my identity but my account and my assets are frozen. APARENLTY THEY USE THIS IDENTITY ISSUE AS AN EXCUSE TO LOCKOUT CLIENTS. I 'VE DISCOVERED ITS HAPPENED TO THOUSANDS OF PEOPLE WHO HAVE THEIR MONEY LOCKED UP IN COINBASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shopping at XXXX XXXX and I am aware of my limit. I told the representative that I would like to pay part on my card and part cash. He said to me, we do automatic crease during XXXX XXXX and credit score would not be affected. I come to look at my credit score and saw hard inquiry and my score went down due to XXXX XXXX. I called the company instantly and all I was told was sorry for misinformed info from cashier. This is truly unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
The company name is XXXX which is located in Georgia I never live in Georgia I live in XXXX XXXX XXXX were I reside for years some in Georgia must of used my name I live in New York and we do n't carry XXXX I have a cable name XXXX XXXX hopefully I could get this resolved and taken off my credit report hope to hear from someone soon thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
A creator is reporting a balance I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: TX

Complaint narrative:
I have send transunion a 609 debt validation letter of all collection on my credit report and theyve failed to do so, they send me a letter saying verified and thats not proving me anything that the debt is mines, and For these reasons, the FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. Since no one validated me my collection I requested for transunion to remove all debts that has not yet been verified to me. Like 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 2017-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC
State: CT

Complaint narrative:
A creator is reporting a balance I know nothing about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I am customer with Coinbase and have been with them for about 4 months now. I never had any problem with them until I try to log onto their website from XXXX, XXXX. I did NOT do any transaction just tried to log on to check current price levels. Coinbase immediately locked my account and has not responded to my many emails, opening of support tickets etc ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I sent a deposit of {$3000.00} and {$2000.00} on XX/XX/XXXX from my bank to the company ( Coinbase ).  After a couple transactions ( buys, sells, withdrawals, and deposits ), I was left with a total of {$6200.00} in my account ( XXXX XXXX ) onXX/XX/XXXX. I then tried to withdraw some of my money, however I received a message saying " Before you will be able to complete this withdrawal, you must provide additional information at https : //www.coinbase.com/ssn ''. I emailed the support team about this, due to the fact that I was able to do transactions freely before. I sent the support team 3 emails on ( XXXX XXXX, and XXXX ), all with messages relating to my problem ( system wo n't accept the additional information needed, why ca n't I withdraw from my account, etc. ). These emails were sent 13, 11, and 9 days ago. I have not received any helpful responses ( just really general automated responses ), thus I can not withdraw the money I deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA #XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX
Report Created On: XX/XX/XXXX
File Number: XXXX
Page 1 of 23
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: FLEXIBLE
SPENDING CREDIT
CARD
Date Updated: XX/XX/XXXX
Last Payment Made: XX/XX/XXXX
Original ChargeOff: $XXXX
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed: XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clark County Collection Service
State: NV

Complaint narrative:
I have called them over 10 times to find out what the debt is about. No return calls. Went on the website and sent 3 emails. No return email. I ended up going to see them and asked if they could provide any documentation so I could research the debt. All they could tell me is that it was a medical debt in excess of {$200.00}. They also said it was in 2015. I called XXXX ( my previous insurance company ) and they  could n't give me any medial bill for {$200.00}. 

I went back in the office again and asked for more information again as I believe the debt was paid in full. They refused to give me anything other than an extension to try and dig up my bank statements. I tried to explain I do n't even know what I 'm looking for or who it was paid to. 

Now they are suing me for this. I believe this is total extortion and I well be in court for it. They need to legally provide me documentarian so I can research and defend my case. This company makes it hard so that they can take you to court and double or triple the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
a personal loan company emailed me stating I could get a loan the company 's were fraud the company 's deposited mobile check deposits citibank wo n't help I have been hung up on at least four times I 'm XXXX and citibank did not due due digenge and check my signature card it was two companies XXXX XXXX and XXXX XXXX citibank wants to take my brothers. XXXX check how is he supposed eat or pay rent I have been with citibank since the 90s I expect better from this company and I expect a call a call back since the repesentinel wo n't help I 've contacted ftc aND did a preport I expect help and a call back at XXXX XXXX XXXX or XXXX asap

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX XXXX reported {$190000.00} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XXXX by Bank of America ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX service appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after twelve of  my mortgage paid off with XXXX XXXX XXXX in XX/XX/XXXX illegally harassing me and filing illegal foreclosure action in XX/XX/XXXX with no proof of transferred of mortgage and illegal securitization without any proof under Federal Truth In lending disclosure act. In addition, Nation Star Mortgage also engaged in frivolous and debt collection as a separate company with no relationship or business dealing in any shape or form. XXXX XXXX XXXX cancelled and discontinue foreclosure action in XX/XX/XXXX for lack of proof of valid debt as a matter of law. In XX/XX/XXXX, XXXX XXXX XXXX XXXX has my property listed as cash management. I do not owed any mortgage. How can you have a mortgage of $ XXXX, $ XXXX, and $ XXXX. The debt debt instrument was refinanced in XX/XX/XXXX and paid off at closing. I am target of manipulation and illegal debt or security instrument. Instrument was disposed in XX/XX/XXXX. Been harassed 12 years latter. The subject property address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny XXXX. 

XXXX XXXX XXXX XXXX located at share, XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, XXXX, NY XXXX represent XXXX XXXX XXXX XXXX.  Telephone ( XXXX ) XXXX. 

Nation Star Mortgage is located at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
Telephone ( XXXX ) XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX XXXX XXXX, Attn : XXXX XXXX located at XXXX XXXX. XXXX XXXX, XXXX, TX XXXX with telephone ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Avant Credit Corporation
State: CA

Complaint narrative:
I had a loan with this company for 28 months. I was told I could apply for a refinancing loan. I had made all 28 payments on time. I applied for a refinance loan on XX/XX/XXXX. I signed my signature to get this loan on XX/XX/XXXX. They told me that I shouldHave a final decision in 24 hours I called every day .The represented told me they was going to make a decision. I talked to manager I was told the same information. On XX/XX/XXXX I received a message that my loan application had expired and I was invited to reapply for this loan. This process was not done in 24 hours. I waited until I made my next payment. I made my next payment on XX/XX/XXXX and I was told by one of Avant representative that I could reapply at that day and I wouldnt have to send anything more information from my bank statement.He said the information I sent it could be used. I reapplyed and the company denied me. my refinance loan in minutes. The time I apply my credit score was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I mailed in our XX/XX/XXXX mortgage payment of {$1200.00} to JPMorgan Chase on XX/XX/XXXX by certified mail to the company payment dept. in XXXX, AZ. Chase received the payment on XX/XX/XXXX. On XX/XX/XXXX, our Chase online mortgage account showed that the entire amount of {$1200.00} was applied as a principal reduction on XX/XX/XXXX. The check and mortgage payment slip were clearly marked as a mortgage payment. This is not the first time that Chase has misapplied our mortgage payment. The same thing happened on XX/XX/XXXX. We had to fight with Chase to get our mortgage payment fixed. In XXXX XXXX, we received three debt collection letters from Chase even though our mortgage was not late or in default. In XXXX XXXX, we have received three debt collection letters even though our mortgage was not late or in default. That is six debt collection letters in one year without legal cause. 

Chase disbursed from our mortgage escrow account in XXXX, XXXX, and XXXX for not reason. In XXXX XXXX, Chase disbursed from our escrow account and then raised our mortgage payment. Chase has continually used our mortgage escrow account to try to put our mortgage in default. In XXXX XXXX, we found out that our homeowner 's insurance provider XXXX XXXX was a bank client our JPMorgan Chase when we changed insurance providers and started to cancel our insurance policies. Neither company disclosed this information to us. Every year since XXXX, when Chase took over the loan servicing our our mortgage we have seen significant premium increases in our homeowner 's insuranc. Both XXXX XXXX and JPMorgan Chase benefited financially from this arrangement. 

Chase 's customer service dept. is designed to sent customers on a wild goose chase. We received a letter from Chase dated XX/XX/XXXX stating that XXXX XXXX, XXXX Chase Relationship Manager had been assigned to work with us regarding our mortgage issues. He listed is direct number as XXXX. I called this number four times to speak with him. It was the Chase automated general customer service line. We have repeated received unsigned form letters with no contact information to speak to an actual Chase employee. We have also received letter stating at an employee had tried to call us which was untrue because we have caller id. 

The most disturb thing that we learned on XX/XX/XXXX was that JPMorgan Chase was not the legal mortgagee on our mortgage. The clerk of court has XXXX XXXX listed in the mortgage records as the legal mortgagee. Apparently, our mortgage is being transferred from XXXX and XXXX XXXX such as JPMorgan Chase. Which means that the original promissory note on our mortgage is gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: First Data Corporation
State: TX

Complaint narrative:
Third party XXXX XXXX involved in XXXX XXXX. 

XXXX XXXX extortion is an infringement of XXXX. XXXX XXXX has neglected to give data to the buyer and characterize how the purchaser can constrain risk on account of theft-loss, or dispute or cash was stolen from account-holder by deceitful falsification, portrayals or guarantees profited XXXX. 

Denied bank administrations : ATM, immediate store ( payroll checks ), ACH or point of sales, Getting cash back. 

XXXX XXXX administrations being conveyed with suspicious requests and/or dark record information. 

Hasnt enabled me to get cash from my paycheck utilizing their XXXX XXXX payroll card by XXXX. Doesnt permit me record views, i.e. Statement, Checks paid, Transfer, transaction history. 

XXXX XXXX is liable to compensate to consumer as it amounts to deficiency in service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
I have requested validation of the account that has been attempted to collect on from this collection agency and I have not received anything back by postal mail. It has been well over 45 days since the original request was sent. I requested this to be done back in XXXX 2017 and I have not received any correspondence as of yet. It has been approximately 23 weeks and 5 days. The collection amount is listed on my credit monitoring site for {$220.00} and I was never made aware of such debt in writing.

Company response to consumer: Closed with explanation