vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 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: CORELOGIC INC
State: TX

Complaint narrative:
I took a look at my credit report today and noticed a few inquiries that were made that were not made by me. I took a look at all the companies and it seems they are all credit card companies and have not applied for any credit card companies myself and would like them to be removed because I was in the process of looking into what I needed to do to increase my credit score. I recently got married and have a child XXXX XXXX XXXX. We are looking to purchase a house and this is holding us back. 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 2019-11-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GMA Investments, LLC
State: TX

Complaint narrative:
After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because XXXX XXXX did not communicate and respond to them the claims were not paid. 

After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX   ) it appears the XXXX removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.

Company response to consumer: Untimely response
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC.
State: CA

Complaint narrative:
Account : AFNI Amount : {$750.00} Date : XX/XX/2019 Discrepancy : Paid prior to collection. Paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I received promotional mail to open HSBC advance account, by XXXX XXXX, 2019 keep $ XXXX for 90 days and receive {$370.00} in 8 weeks after meeting the 90 day rule. I followed the instructions - there was option to apply online at : us.hsbc.com/earn375 - I applied on XX/XX/XXXX and received the below confirmation however I still have not received the {$370.00} welcome deposit ( last call XXXX XXXX, 2019 ) and HSBC is declining on the basis that I have not applied on the advertised website. However when I applied I received confirmation on XXXX XXXX, 2019 : " You've completed the online application ... You will automatically receive the {$370.00} Welcome Deposit in your new HSBC Advance checking account within eight weeks after completing all qualifying activities. Its that simple. '' HSBC is ignoring my attempts to provide them with evidence of the mail promotional material or the application ID as they say their system does not allow to attach snapshots or I can't e-mail customer service due to security concerns, they also can't put me in touch with Marketing or any of their managers because the person who took my case is the one who need to talk to me but he is never available for the last 20ish days. I brought the mail to a HSBC branch and asked the rep to photocopy it and attach it to my case, he did make a copy but could not find out where to attach it because noone responded to his query. I called multiple times to ask how to provide this evidence for their investigation but they don't know how to respond and generally waste your time on the phone, l have called 5 times already, and it takes 15-30min on the phone to get another promise someone will call me in 48 hours and first noone ever calls, it has been 6 days so far since the last call and I don't really think they need to call just deposit the money. It's that simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: IL

Complaint narrative:
I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX XXXX # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX XXXX which looks like its a collection agency for XXXX or XXXX XXXX XXXX XXXX # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are 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 non-monetary relief
Consumer complaint received 2019-11-25 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear CFPB officer. 
I received an offer in the mail ( attached ) from Citibank  to open an account and fulfill the terms and conditions to receive XXXX XXXX XXXX  Aadvantage miles. I opened the account online on XX/XX/2019 and completed the required deposit ( {$15000.00} ) on XX/XX/2019. I maintained the minimum balance of {$15000.00} for more than 60 calendar days following the date of the deposit. However, I havent receive the bonus yet. I did a chat with a citi bank representative on XX/XX/2019 and they confirmed that I met all the requirements and I should receive the bonus on XX/XX/2019. 

I did a second chat with a citi bank representative on XX/XX/2019 and they again confirmed that I met all the requirements. In addition, they mentioned if the bonus is not deposited by XX/XX/2019 then they will submit the dispute. 

I did a third chat with a citi bank representative on XX/XX/2019 and they submitted a dispute regarding the bonus. They specifically said We have placed a request regarding this to our promotional marketing team. You will be notified via e-mail and outcome of the investigation within 3-5 business days. Till todays date, I neither received any email and outcome of the investigation nor the advertised bonus. I have saved the transcripts of all my chats and can present them as a proof. I hope to get this matter resolved as soon as possible. I hope CFPB can help me in this matter. 

Your 's sincerely, 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 2019-11-25 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: SC

Complaint narrative:
Third Request - I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019, I was scammed twice using my Wells Fargo debit card. I used it once through XXXX XXXX for {$400.00} dollars and once again using my Wells Fargo debit card through XXXX for {$300.00}. I was trying both times to purchase XXXX  tickets and paid both times and never received the tickets! I contacted Wells Fargo and XXXX to file fraud charges and I received a letter from the bank saying they couldnt help me even though I told them it was a scam/fraud. I am really unhappy with this! I am a single mother of XXXX and I cant believe they cant help me get my money back or issue me a credit! Please help so this doesnt happy again to someone else!

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 2019-11-25 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Lost and stolen credit card used with out my permission and charges were made without my authorization. 

File police report with ICE. ORG and FTC.GOV.

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 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
I received a letter from Credit Control , LLC regarding an alleged credit card debt owed that they wanted me to pay. I replied with a letter I sent to to Credit Control , LLC asking them to please document and verify the alleged debt. The letter I sent included a request for A front and back, true and correct copy of the alleged signed agreement bearing my signature. This is for full and complete disclosure, which is required to demonstrate validity under globally accepted contract law.Credit Control, LLC response to my request was to send me a document which they said was an account summary. I never received verification of this alleged debt. Would you please investigate this? 

Disbuting the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account : LVNV FUNDING LLC Amount : {$440.00} Date : XX/XX/2019 Discrepancy : This debt was paid on time. It was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: IL

Complaint narrative:
I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX College # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX/XXXX  # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX  XXXX which looks like its a collection agency for XXXX  or XXXX XXXX XXXX Hospital # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX  on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are 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 2019-11-25 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: IL

Complaint narrative:
I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX College # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX/XXXX  # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX  XXXX which looks like its a collection agency for XXXX or XXXX XXXX XXXX Hospital # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
it says i owe XXXX dollars  with navient from when i was at XXXX XXXX college but when they were in that lawsuit i have pics on my credit reporting showing that it was paid off but navient called me a liar saying there was no lawsuit and saying it wasnt paid off this was all said over emails on their website and over the phone let me remind u in the pics im sending it says ive made payments wich i have not because im struggling these showed up when they had their lawsuit thats how i know it was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Account : CREDENCE RESOURCE MANAGEMENT Amount : {$620.00} Date : XX/XX/2019 Discrepancy : Paid prior to collection. Paid In full

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Lost and Stolen card used without my permission filed IC3 Report with FBI and FTC report number XXXX Would like to have balance to be {$0.00} and taken of credit report also since its against the law to have on 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 non-monetary relief
Consumer complaint received 2019-11-25 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: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to TransUnion for them to delete a Bankruptcy XXXX. On XX/XX/XXXX I received a response from TransUnion stating that the item was VERIFIED. I then sent a letter of validation on XX/XX/XXXX for which TransUnion provided a response of VERIFIED by XX/XX/XXXX. Because I did not receive any documentation about how they validated this record, I sent a request for the investigative material on XX/XX/XXXX, and once again I received a response by XX/XX/XXXX with just a piece of document that said VERIFIED without any of the requested investigative material. Thinking that there was a confusion I sent one letter on XX/XX/XXXX requesting, once again a description of the procedure used to determine the accuracy and completeness of the information, for which they replied on XX/XX/XXXX stating that they recently completed an investigation and that the data furnisher verified the information on my credit file. I still have not received the investigative material, and clarification of who is this data furnisher. 
I now would like to ask for the 4th time all investigative material concerning this bankruptcy. I would like to have copies of those documents instead of having TransUnion initiate another dispute and getting a repetitive VERIFIED answer. 
Attached are all the letters I sent and their responses by date as well as a letter from the Bankruptcy court stating that they do not verify any information with the credit bureaus. Also a picture of my report which shows that the only credit bureau that has this unverified bankruptcy is TransUnion. 
Looking forward to receiving the investigative material at your earliest convenience. 
Thanks!

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 2019-11-25 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: Coinbase, Inc.

Complaint narrative:
Coinbase wallet problem I'm Facing this issue from XX/XX/2019 they locked my Coinbase wallet account for no reason I'm Coinbase user from 4+ years till now I didn't get any problem with them but on XX/XX/XXXX they temporary block my Coinbase Account & telling me contact Coinbase support there support is not replying at all I have send several emails just got automatic reply no reply by there employee & company here is company website https : //www.coinbase.com I have my funds in Account but they BLOCK my account on XX/XX/2019 for no reason also support not replying me I have tag them on XXXX  XXXX  By email no response calling number not responding I tried to call all of them are busy not answering call just computer running please I want to get my account unblock asap as they block my account for no reason I have around {$2600.00} in Coinbase & that amount stuck now my account is disabled This is the error I getting Everytime wen I try to login into my account Coinbase sorry Account temporary disabled please contact support Case number - # XXXX that I got from there email complaint which I raise with Coinbase I don't get reply for that for an unknown reason my account was just disabled. 
I also read there support questions on there website what Todo if u showing error that ur Account was temporary disabled please contact support in answer I get Just change ur password of ur Coinbase Account & contact us by email i have done that both I changed. My password & contact Coinbase support via email XXXX  XXXX  by call no response I get from them My registered email ID with Coinbase Account - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian FICO dropped on XX/XX/XXXX indicating that I have a serious delinquency. However when i view all my accounts all accounts have been paid on time and no delinquencies are appearing on my credit report. When i try to apply to anything I am denied due to " SERIOUS DELINQUENCY '' However this makes no sense as I can not locate a delinquent account on the credit report this must be some kind of error/glitch on experians side. 

This error also appears on XXXX  stating I have a negative account with XXXX when the account also shows paid on time.

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