vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TRANSUNION is showing 2 hard inquiries on my credit report that I did not initiate or approve and as you can see from my credit file - no credit was obtained as is required for having such inquires on my report. they need to be removed from my credit file. 


XXXX XXXX XXXX Inquiry : XX/XX/2018 & XXXX XXXX  Inquiry : XXXX. XXXX, 2018

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 2020-01-11 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: AL

Complaint narrative:
I lived in the same house for 27 years and moved XX/XX/XXXX. I sent every creditor my change of address and logged it on an XXXX spreadsheet. XXXX XXXX was sent my change of address on XX/XX/XXXX. Mine and my husband 's credit scores were always within a few points of each other, around XXXX. His is XXXX right now. I had a XXXX XXXX Credit Card that I rarely used. In XXXX of XXXX I made a purchase of approximately {$40.00} on my XXXX XXXX. Apparently, they sent the bill to the old address in XXXX of XXXX, 16 months after I had moved from there. I had not charged anything during that time, so no bills were sent except this one for {$40.00}. The time limit had expired at the post office for forwarding mail, so it was returned to the sender, XXXX XXXX. No one ever called me, or emailed me. They had the phone number and email which had not changed. I was totally unaware they had sent a bill. In XXXX of XXXX, my credit was lowered on a couple of my other credit cards with a note saying to check my credit bureau for information on my account. I got a credit report and saw this blemish on my XXXX account and called them to inquire. They immediately patched me to Collections. I told her I was unaware and she practically called me a liar and was very rude. I had never been spoken to in this manner by anyone before. I paid the balance with interest and late charges added and had a {$0.00} balance when I called in XX/XX/XXXX. They kept reporting it as unpaid and in collections all the way to XXXX of XXXX, even after several calls to them. I have always paid my bills on time. When I checked my credit score it had fallen from around XXXX to XXXX. I explained that I had sent them the change of address card and had not charged anything in over a year, so had not received any bills. She was even more rude and even elevated her voice. She said they would not notify the credit bureau and the report was to remain. I have filed complaints with Equifax and they won't change it. I have another XXXX years before it is cleared. My score is up to XXXX, but it should be over XXXX and would be without this mark on my report. The way I look at it is : 1.  XXXX XXXX received the change of address card and did not process it, so it was their fault that they sent my bill to the wrong address. 2. If they looked at my record, they could clearly see my nearly perfect record, and something was not right. 3. They could have called or emailed me, but chose not to, even though I had an excellent payment history and had the card for 7 years. 4. I also sent a statement about this to Equifax to put on my credit report, but I have never seen it on there. I just want this blemish off my credit because I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I HAVE UNAUTHORISED USE OF MY ACCOUNT WITH PAYPAL THEIR DEFENCE IS THAT IT WAS ME THEY WONT PROVIDE ANY PROOF MORE THAN THAT THEY RETAIN FUNDS 180 DAYS MORE THAN THAT I WAS KICKED OUT FROM THEIR SERVICE AFTER BIENG SCAMED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: EQUIFAX, INC.
State: AR

Complaint narrative:
Hard inquires need to be removed from my credit report for one of the following reasons. 

# 1. ) They are either over 2 years old. 
# 2. ) Or I did not initiate the inquiry and I did not approve the inquiry. 
# 3. ) or No credit was extended for the inquiry. 

XXXX XXXX, Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX EQUIFAX MORTGAGE SER Inquiry : XX/XX/XXXX XXXX - XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX BANK XXXX, XXXX A Inquiry : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter on XXXX XXXX from Capital One dated XXXX XXXX. In this letter they are requesting I send a copy of my social security card and drivers license to straighten out an issue. I have called 4 times and even spoke with a manager to try to understand what the issue is and why they need this information. The only thing anyone could tell me was that it is required by federal law and new updates were made so the system generated an automated letter since my account was flagged. I asked how my account was flagged i never never had any issues with any charges or any invalid information on my account. No one could give me details. I dont feel comfortable sending my ss card and drivers license in the mail or via fax as there are major privacy concerns. I dont understand why this is being requested Ive had an account for years and have never been asked to provide such documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: CA

Complaint narrative:
I was fooled by a student loan debt relief scheme. 

I was falsely promised that they would lower or even eliminate my loans. I signed a contract and they started to charge me {$39.00} a month and about {$20.00} a month of interest. This was back in XXXX of 2017. I recently revisited my student loans, as it was time to re-evaluate my standing, and found out that none of these payments were towards my student loans and I was just paying a company called Equitable Acceptance this money. 

I researched and found out FTC has taken action against this company for these super misleading practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: SC

Complaint narrative:
During XXXX I used coinbase.com as a wallet for Bitcoin. I go through a ton of runaround and verification to access my account for the first time in years : my transaction history is completely blank and my wallet balance reads empty. To be fair I did have a bad habit of tipping people with BTC, so it's possible that I really did cash it out completely HOWEVER I absolutely did for fact make transactions with BTC via Coinbase and now they have hidden those transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2020 I applied for the Barclays XXXX XXXX Red Aviator Mastercard. The initial credit limit applied to the card was {$2000.00} which was determined by their computer system. 

After learning of the low limit, I contacted the company and expressed my dissatisfaction. I was told that the amount issued was a preliminary assignment of credit and did not reflect the actual final credit limit that could be applied. I was told to call back when I received the physical card in hand and work with them to raise the limit. 

Upon receiving the card, I contacted Barclays on XX/XX/2020 and they indicated that they would need to pull another hard credit report to raise the limit despite having just pulled the full credit report on XX/XX/2020. I asked to speak with someone at a higher level. I was transferred to the credit department and I was forced to have another credit report pulled. 

I was told by the representative in the credit department that it was Barclays policy to pull another credit report despite the fact that one had just been pulled within the same or next week. I asked them to point to the policy in the " Important Information About your Credit Card Account '' document which outlines all of their policies and procedures as a card holder with all of the fine print. Barclays was unable to provide any such location or where that was located.

The representative indicated after review of my credit report he was unable to determine why the Barclays system only provided a {$2000.00} limit. Furthermore, he said that my credit report was of high value and quality and had no issues raising it to my requested dollar amount. He further stated that they use XXXX  as their reporting agency and the first pull from credit bureau showed a credit score of XXXX and with the second pull to raise the limit, XXXX. 

By requiring me to have a second report pulled within such a short amount of time, it can and has left a marked effect on my credit score.

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 2020-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
I pay my mortgage through automatic-bank withdraw monthly. On XX/XX/2020, we paid additional extra {$2000.00} as principal through my bank. However, Roundpoint mortgage withhold my payment. Claimed and decide this {$2000.00} will pay for next month 's and payments after XXXX. They claimed I can only use their specific link to pay off the principal. No where in my statement has instruction on how to pay extra principals. I have right to decide what to do with the extra money. I did not instruct them to withhold my money and pay future interests or principal. 

XX/XX/2020 requested them to update my payment as extra principal. Roundpoint denied to my request.

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 2020-01-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
While checking my credit report I noticed Amsher Collections has a negative remark on my reports stating that I owe a medical debt that I do not recognize. One entry was for XXXX and from my understanding that facility is in XXXX. I have never used that facility for service. This unverified information has caused a tremendous amout of stress and I plan to hire a credit protection lawyer to look into the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2019 I opened a account with Navy Federal Credit Union ( NFCU ) I qualified for the membership through a roommate who was a government contracter. NFCU after requesting numerous pieces of documents my drivers license as well as proof of residency opened my account for a checking and savings account and I made a {$50.00} initial deposit using my credit card.After about 10 days I encountered a representative on the phone who stated they could not understand my XXXX and immediately after that I noticed while trying to log into my account that my account was blocked. I met all qualifying criteria for membership however I felt because my XXXX was not as fluent as the representative wanted she had my account blocked for additional documents.This I believe is a unfair practice and should definitely stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified by my credit monitoring service that Loancare LLC listed my mortage account as derogatory chapter XXXX bankruptcy. I did not file bankruptcy as I am unable to because I filed in Massachusetts on XX/XX/XXXX. My wife who is NOT on the loan and is not a co borrower file in XX/XX/XXXX. Loancare was listed in her debtors page in guidance from her attorney.

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 2020-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I was notified by my credit monitoring service that XXXX XXXX listed my mortage account as derogatory chapter XXXX bankruptcy. I did not file bankruptcy as I am unable to because I filed in Massachusetts on XX/XX/XXXX. My wife who is NOT on the loan and is not a co borrower file in XX/XX/XXXX. XXXX was listed in her debtors page in guidance from her attorney.

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 2020-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
There is a collection on my credit report by a company named XXXX   XXXX. This company has been notified of identity theft issue fraudulent charges and has been disputed and ruled in my favor that debt is not mine and should be removed completely from my credit report by both XXXX  and XXXX. This company has now placed derogatory XXXX 's on my account 3 different times for 3 different amounts and continues to add bad remarks everytime they are disputed and found to be fraudulent. This action to my credit has caused immense issues in my finances and has barred me from any use of my credit. This practice is criminal and needs to be dealt with swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: MI

Complaint narrative:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX, which went bankrupt a different company reporting I now owe them, closed accounts from more then 10 years old, paid  accounts still showing as open on my credit report, 3 auto loans that were either closed or paid of by insurance companies still showing up as delinquent or open 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 2020-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting hs debt as a charge off and reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

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