vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax to dispute items negatively reporting on my file, for proof of accuracy and if the item could be verified. There were 5 items that were disputed on this inquiry. 

On XX/XX/XXXX I sent a second letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in the dispute of this inquiry. 

On XX/XX/XXXX, I sent a third and final letter of dispute to Equifax in regards to items negatively reporting on my file for proof of accuracy and if the item could be verified. There were 6 items included in this dispute of this inquiry. 

As of today, XX/XX/XXXX I have not received any response from Equifax. The only acceptable response is to provide proof that the item is verfied BY SUBMITTING ORIGINAL SIGNED CONTRACT WITH WET INK SIGNATURE according Section 609 ( A ) ( 1 ) ( a ) of the FCRA. If you can not provide proof, that means the items are unverified. If the item is unverified, the item is to be removed from the consumers credit profile. This is law. This is only acceptable. 

This is my final attempt to settle this dispute with said company, other wise we are pending litigation with a complaint filed in U.S. District Court Central Division of California for negligence of compliance secured and guaranteed to me in sections 616 & 617 of FCRA. 

Also included, you will be sued for the following reasons : Tyranny ( abuse of power ) - Establishing your own jurisdiction and not complying with FCRA regulations. 
Fraud ( Acquiesce ) - Consent to fraud by Tacit, Silent or Passive response. 

And any additional findings in your efforts to verify items disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This company is reporting inaccurate information, have stated to them that the DOFD is inaccurate, this account should have been erased from the credit report being that it is an extremely old account and it is still being reported by Cavalry Portfolio Services. I am now getting about 4 calls with no voicemail, which constitutes harassing calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I attempted to obtain a home loan and because I had some medical accounts showing as in dispute, I could not be approved. In numerous occasions I contact XXXX and Transunion, via phone, fax and document upload directly on their site to inform accounts were no longer in dispute. I spoke with various representatives who either said they showed no disputes open or would put in a request to have remove dispute marks from accounts. I have waited months and my report still shows dispute remarks on those account. Unfortunately, I was unable to purchase a home for my children and me because of 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 non-monetary relief
Consumer complaint received 2018-02-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hard inquiries must been done online illegally with my information I never applied for these XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I looked at my credit report recently and found a collection account to my surprise. 

The following account IS NOT MINE and HAS NEVER BEEN VERIFIED!!!! 

XXXX XXXX / # XXXX I need to know who is responsible for this and why they are showing up on my Experian Credit Report? 

Also - I need signed proof of anything dealing with this " so-called '' debt!! 

THAT INCLUDES QUIT CLAIM LANGUAGE To verifying any legal proof of me owing this debt!

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 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a email Alert notifying me my charge card was recently declined in the amount of {$360.00}. 

I called. Per XXXX XXXX charge was submitted 2nd time and was approved by XXXX XX/XX/XXXX, XXXX  Police Department send email saying Report was approved and I received XXXX Police Department Summary Incident Report # XXXX XX/XX/XXXX, I went online to Experian to request a Security Freeze be added to my credit file, tried to enter info required ; but the Experian website would not accept my info. 

XX/XX/XXXX, I prepared a detailed letter with info ( attachments ) that  Experian required and sent my envelope to Experian by USPS Certified Mail. Items sent were the following : 1. Letter ( detailed ) 2. XXXX Police Department Report # XXXX 3. State of California Driver 's License ( copy ) 4. XXXX Homeowners Policy ( copy ) XX/XX/XXXX, I received an email from Experian which said : We received the copy of the identity report that you provided ; however, in order to process your request to block information in your personal credit report due to identity theft, we need additional information. Please provide : 1. all pages of the identity theft report, including validation that the report was filed with a federal, state or local law enforcement agency ( I provided to Experian what the XXXX Police Department emailed to me ) ... 

2. Also, I included ( in letter ) my full name including initial, my social security number, my complete addresses for the past two years ( I've lived in my home 20+ years ), date of birth, one copy of a government identification card, such as a driver 's license, state ID card, etc. ( driver 's license ), one copy of a utility bill, bank or insurance statement etc. ( XXXX Homeowners Policy ).

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 2018-02-07 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: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I have found that there are multiple abuses on the inquiry sections of my credit report knocking down my score from XXXX XXXX XXXX to XXXX! Quicken Loans went into my report onXX/XX/XXXX again on XX/XX/, XXXX  XXXX XXXX XX/XX/ again XX/XX/. XXXX XXXX XX/XX/ again on XX/XX/. This is abuse I think they are trying to keep me from buying a house in the area. I was told I don't have a credit score,  which is a lie. XXXX XXXX gave me three fico scores in XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I received these scores over the phone from XXXX. I lost the house that I was interested in buying over this playing around with my score. I want my points back. This was a great disservice and even though I have a 40 year credit history through XXXX XXXX XXXX it doesn't appear on my report. So I started over again with XXXX and I have a XXXX XXXX Credit Card 4 months ago. My score was just updated to XXXX XXXX XXXX, XXXX   XXXX had this abuse not happened I would be well into the mid 700 's, since I have no derogatory marks against my credit or late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: OR

Complaint narrative:
I sent in a payment for 50 % of my outstanding balance ( {$9300.00} ) in XX/XX/XXXXof XX/XX/XXXX because I noticed that my credit score with XXXX had gone down significantly, and the reason given was slow reduction in my loan balances ( I had just taken the loan out when I bought the car used, with 50 % cash down, in XX/XX/XXXX, and only had a 36 month payment plan ). But I know that, while the CFPB has decided not to investigate XX/XX/XXXX, they and the other credit bureaus are like the XX/XX/XXXX. So I addressed the issue by sending Volkswagen Credit USA a check for {$9300.00}. 

What VW Credit did was to slowly apply this against my future payments for the next 15 months, rather than applying it to my balance without ever asking me what I prefer. Now, I concede that I could have noticed that I was not getting autopay withdrawals anymore. But frankly, I scan my accounts for things that should NOT be there, not things that SHOULD be there. 

I think that given the way almost any other loan I have experienced in my life, it would be a very reasonable assumption that the check I send would be applied against my balance. It was not, although the funds were removed immediately from my account. Thus, VW Credit US had full us of my funds for a year, while I did not AND continued to charge me 5.24 % interest for the privilege of them holding my cash. 

I have spoken to a supervisor there, and the " best '' they can do is to apply a {$50.00} credit towards my account ( I had to specifically ask them to apply it to my principle. They were unable to do more because they " did not make an error. I could have told them how I wanted it applied ''. My calculations show that this has cost me approximately {$340.00} in interest over charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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 am challenging the following items with Equifax since they are stalling the investigation and are being ridiculous ... 

1. XXXX XXXX / XXXX - How is the dispute not specific? THIS IS NOT MINE! REMOVE IMMEDIATELY! 

2. XXXX XXXX / XXXX ( Same as above???? ) REMOVE IMMEDIATELY as it's a duplicate item that does not belong to me 3. XXXX / XXXX - This is NOT MY ACCOUNt. NO PROOF no documentation and no statement? PLEASE REMOVE IMMEDIATELY 4. XXXX  / XXXX - Same as above - duplicate INACCURATE Account that DOES NOT BELONG TO ME! Have it removed immediately! 

5. XXXX XXXX / # XXXX - NEVER GOT ANYTHING IN REGARDS TO THIS. DOES NOT BELONG TO ME and it was NEVER VERIFIED via legal and proper signed documentation! Remove immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed to Experian a letter that I was requesting verification of negative items shown on my credit report. I received no valid response from Experian as the response they provided, did not have Written proof directly from a person at the source, pursuant to 15 USC Section 611 ( i ) ( 7 ) Section ( 6 ) ( I ) ( iii ) of FCRA. 

On XX/XX/XXXX I mailed a second request to Experian that I was re-opening the investigation and that I was requesting proof of verification of each item listed on the document. By proof, Experian was to provide ORIGINAL SIGNED CONTRACT/AGREEMENT WITH WET INK SIGNATURE from Alleged creditor as only legitimate proof over verification. Experian failed to provide this proof, but responded that items were verified. 

On XX/XX/XXXX I mailed to Experian Third written request & Final Warning requesting verification of negative items shown on my credit report and to identify with whom did they verify the alleged debt and what proof was given verify the alleged debt. 

As of today, I have not received a valid response 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 2018-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
This complaint is towards Coinbase.com My account email is : XXXX Issue : On XXXX XXXX XXXX 2018, I sent aaproximately XXXX BTC to my USD Wallet address. It then showed that it was received but pending. I read online that it requires 6 confirmations. It has now been 14 days and the transaction has aproximately XXXX confirmations now. 

XXXX XXXX   XXXX I am requesting my transaction to be fixed. This is such a inconviencence to the standard consumer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
From my bill pay a check was accidentally sent to XXXX XXXX. I doubt I sent it to this payee because it is not directly above the list next to XXXX XXXX which where I am sure I sent it to. ( I say that because recently Wells Fargo sent a check to a company that was not even on my Bill pay. I sent a check to XXXX XXXX XXXX  XXXX and the check from bill was sent to XXXX XXXX XXXX  XXXX. I have not filed a complaint about this issue. I did not get my money back for a couple weeks. So bank kept the money. ) On XX/XX/XXXX I discovered that a check from my bill pay was sent to XXXX XXXX instead of XXXX XXXX. I immediately started a claim to get the money refunded to me. I also notified XXXX XXXX that a check from me had been sent in error. 

Today, XX/XX/XXXX I got an email from Wells Fargo saying that that finds from XXXX XXXX were returned to them. I then looked at my checking account and no funds were deposited. I called Wells Fargo and they told me it still takes 3-5 to processes. The bank sent check to wrong place and kept my money for several days.

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 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2018 my checking account was charged a {$15.00} maintenance fee for account that was fully funded. I called TD Bank customer service to rectify the situation but XXXX the agent locked up his computer and refused to assist me. Soon after I sent said bank an email with my concerns and have not receive a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: SD

Complaint narrative:
On XX/XX/XXXX I met with XXXX XXXX XXXX at the XXXX XXXX main branch located at XXXX XXXX XXXX XXXX. The meeting was to discuss issues with my accounts and some errors that occurred. I indicated that I was told by the banker that opened my account that my personal & business accounts were free due to my veteran status. It was at this time that my account was signed up for a debit card, checking account, and paperless statements. 

Account ending in XXXX was charged off on XX/XX/XXXX for an amount of XXXX of which XXXX was a charged off account fee and XXXX was " monthly maintenance fee ''. XXXX XXXX stated that " This was not an appropriate account due to my veteran status I should have had a " Platinum Money Market Account '' ( Consumer Pricing agreement attached ) This account came with no fee. She stated that " it is not necessary for a banker to ask every customer if they are a veteran. '' My bank statements confirm my customer segment as " Military ''. XXXX was unable to determine why I was charged a fee. I indicated that I expected the account re-opened and the fees waived as I qualified for a much better product that was more appropriate. 

Account ending in XXXX was charged off on XX/XX/31 for an amount of XXXX of which {$30.00} was " charged off account fee and {$15.00} was " paper statement fee '' I indicated this was incorrect as numerous statements i have received in the past showed a fee posted and credit back on the same day. XXXX was unable to provide satisfactory explanation for the situation. The attached document shows no monthly fee for the account. 

I spoke with XXXX XXXX on XX/XX/XXXX she indicated that the fees for the above mentioned accounts were waived. There was no explanation given as to the cause of the fees. She further indicated that US Bank would not be re-opening the accounts. I confirmed with her that even though US bank had grossly erred in charging me fees that were incorrect, and the negligence by the bank that caused me to be in an inappropriate account they would not be rectifying the issue. She confirmed and the phone call was ended.

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 2018-02-07 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I entered a cab late night on XX/XX/2018. I attempted to pay driver with a debit card and the driver switched out my debit card for another and I did not notice that until the next morning when XXXX sent me the fraud/overdraft alerts. There was no record of the cab fare but an ATM withdrawal of {$500.00} and {$2800.00} worth of XXXX purchases were made that morning ( details attached ) and summary below of actions taken by thief. 

Thief made 9 transactions at 3 different XXXX XXXX totaling {$2800.00} on XX/XX/2018 Thief took {$500.00} out of an ATM on XX/XX/2018 Thief attempted to change my primary phone number with Chase on the night of XX/XX/2018 Thief attempted to raise my debit limit the night of XX/XX/2018 I reported the fraud within minutes of receiving an SMS message from Chase in the same morning as the fraud was committed. I talked with a Chase fraud agent at XXXX XXXX  the morning of XX/XX/2018. I filed two rounds of claims with Chase about the fraud and that I did not authorize any of these transactions. Both transactions were denied because Chase did not believe this was fraud even though they identified it and sent me SMS messages early morning on XX/XX/2018. Chase also denied my ask to get additional data around the complaint for the police report and would not provide any ATM pictures or card location data. 

Chase is one of the leading financial institutions, they have a tough job protecting digital banking from many different threats, and that is what consumers like myself are depending on. Based on the fraud actions/patterns taken on XX/XX/2018 by the thief, I find it hard for them to have not shut down the account earlier and attempted to help find the perpetrator by providing any data necessary to help track down the thief.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Overton, Russell, Doerr and Donovan, LLP
State: NC

Complaint narrative:
This collection agency held an unpaid account in my name from a medical bill in NY that did not belong to me, in the amount of {$740.00}. After multiple unsuccessful attempts to remove the listing from my report I made arrangements with this agency to pay the entire amount of the collection account in return for removal. They told me that it might take up to 90 days for removal, which I agreed to. After 90 days the listing remained on my XXXX report so I called XXXX  and asked them to submit a dispute to Overton Russell Doerr and Donovan in regard to the agreement to remove. Within a week I was notified by XXXX that Overton Russell Doerr and Donovan is  refusing to remove the listing. I would not have paid the account if not for the guarantee of removal. This listing is causing undue harm to my consumer credit report. Further, the original debt dates back to XX/XX/XXXX and is outside of the time staute of reporting. I need for this collection agency to remove the listing as agreed to over the phone in XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 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: TX

Complaint narrative:
In approximately XX/XX/2016, via telephone I was disputing the charges. but didn't feel listened to. I was explaining I believe some charges were from another source and disputed the overall balance. I got nowhere. I hate to think my identity was hampered with but the company reps didn't seem eager to assist.

Company response to consumer: Closed with non-monetary relief