vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THIS IS A FOLLOWUP TO CFPB CASE # XXXX. XXXX XXXX XXXX reduced my credit limit without my request and against my desire. They claimed this was because of under-use of credit. UNDER-USE OF CREDIT IS STRONGLY RECOMMENDED BY ALL FINANCIAL PROFESSIONALS AND GOVERNMENT AGENCIES. Capital One refused to change the credit back to its prior level. CAPITAL ONE FALSELY INFORMED THE CFPB THAT THIS WAS SIMPLY A BUSINESS DECISION. That is demonstrably untrue. Please see line 4 of attached document " XXXX, '' where Capital One clearly states that what was done was NOT a " business decision '' but was a ***DENIAL OF CREDIT. *** This DENIAL OF CREDIT -- which negatively affects my credit score -- was done WITHOUT MY REQUEST AND EVEN THOUGH I HAD NOT APPLIED FOR ADDITIONAL CREDIT. Thus, Capital One made a FALSE REPORT TO THE CREDIT AGENCIES AND ALSO TO THE CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XXXX/XXXX/XXXX I made EXPERIAN aware of an account that was the result of fraudulent activity. They responded to my complaint by advising me that there was no action for them to take because the account did not appear on my credit report. I have reviewed a recent copy of my credit report and the account has been displaying since 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 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
When I checked my Credit reports I noticed " XXXX XXXX '' collection agency was trying to collect money from me. 
I asked them to validate any contract I had with XXXX XXXX and all they do is send me something from another entity, I have, had no contracts with XXXX XXXX ever, past or present, why would I give them anything? 
The contract I may or may not of had with the entity they are showing me has nothing to do with my obligation to another INC. LLC or other corporation such as " XXXX XXXX '' in this fraudulent attempt to collect a debt, without validation from their specific company, Convergent. 
I want XXXX XXXX to remove me entirety from my credit reports.

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX & XXXX. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX  XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
chase bank keeps allowing someone to try opening charge accounts in my name. I have tried contacting but the number is not a working number I think identity theft is the problem someone has tried opening accounts 8 times with chase bank as recently as XXXX XXXX XXXX and about every month or so since XXXX a police report has been filed in XXXX at the XXXX police department I would like this removed from my report I have sent copies to the bureaus but not taken care of. XXXX fixed it but not XXXX or XXXX seems to ignore the request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX has been reporting a {$2000.00} collection account on my credit report. I have never had any business with XXXX XXXX. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation, which I know to be a lie. I have disputed this transaction several times on my credit report through XXXX. It was removed once and then the company reported it again. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent XXXX XXXX requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from XXXX XXXX. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SERVICELINK LOSS MITIGATION SERVICES
State: TX

Complaint narrative:
I am a first time home buyer and I went under contract to purchase a property serviced by A bank on XX/XX/XXXX who used XXXX XXXX XXXX XXXX as the closing/escrow agent. As part of my due diligence, I ordered an Inspection ( {$400.00} ), Termite Inspection ( {$50.00} ), Structural Engineer Report ( {$500.00} ), and Appraisal ( {$450.00} ). I also placed earnest money deposit of {$1500.00}. My closing date was scheduled for XX/XX/XXXX. A tax lien was discovered on XX/XX/XXXX by my Lender and NOT the title company, and it was communicated to me by my agent on XX/XX/XXXX that the property had been acquired through XXXX and that the foreclosure had never been done to wipe out the lien. I was left having spent money on a property I could n't purchase due to the sellers lack of due diligence prior to placing the property on the market. I requested to have earnest money refunded to me, seller agreed to reimburse me the full {$1500.00} earnest money. I received the check from XXXX XXXX XXXX  who had apparently charged me for a survey that they never asked for permission to order/charge me for. They reduced the amount of my earnest money by {$420.00} to pay for a survey I never gave approval for. I have tried to call to discuss this with the agent who ordered the survey but she does not return phone calls. I am requesting assistance in getting my {$420.00} refunded for a survey on a property that the seller had no right to market as available for purchase and the Closing agent ordered/charged for products they never cleared through the party incurring the charge. The sale fell trough due to the sellers lack of knowledge of their own inventory, so I should not be held responsible to pay for a survey I never ordered and now have no use for through no fault of my own. I believe this error is on XXXX XX/XX/XXXX due to not obtaining approval to order the survey prior to doing so then charging me for it with no notice. Also, the invoice I received doesnt even have my name on it as the buyer so this feels inappropriate to charge me for.

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 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pinnacle Credit Services, LLC
State: PA

Complaint narrative:
Pinnacle Credit Services has been reporting a {$2700.00} collection account on my credit report. I have never had any business with Pinnacle Credit Services. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Pinnacle Credit Services requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Pinnacle Credit Services. I do n't even know which company this alleged debt originated with. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Pinnacle Credit Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 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: GA

Complaint narrative:
Experian refuses to open a dispute at my request for the following inaccuracies on my report. 

Addresses that need removal XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Accounts that are closed and are too old to be reported. Experian refuses to process my dispute 1. XXXX XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown 2. XXXX XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown 3. XXXX XXXX Acct : XXXX OPENED XXXX Payment status unknown I requested method of verification from Experian regarding the following closed accounts that I have disputed but remain on my report. To date Experian has not furnished who they verified account with and how the account was verified XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX Experian reports inaccurate social security numbers for me : Please remove all numbers that are incorrect and do not have the last four as 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 2017-12-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
I asked for relief after XXXX XXXX, and was told I could skip a payment with NO penalty. Now, I finished the priginal schedule ( my last payment was XXXX ). So all I should have left is the payment I was allowed to miss. But instead of the standard {$140.00} payment to pay off the loan, they are saying I owe over {$400.00} to pay the loan. 

I ahve no issue with payin the {$140.00} I was told I could pay at the end of the loan to satisfy the loan, But I 'm not paying {$260.00} extra in fees when I was expressly told I could miss that payment because of the hurricane.

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 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX TransUnion. 

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 
Company & Inquiry date 1. XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX Bank USA XXXX/XXXX/XXXX 7. XXXX XXXX Bank XXXX/XXXX/XXXX 8. XXXX Bank XXXX/XXXX/XXXX 9. XXXX XXXX XXXX/XXXX/XXXX 10. XXXX XXXX, LLC XXXX/XXXX/XXXX 11. XXXX XXXX Bank XXXX/XXXX/XXXX 12. XXXX XXXX XXXX XXXX/XXXX/XXXX 13.  XXXX XXXX XXXX/XXXX/XXXX 14. XXXX XXXX XXXX/XXXX/XXXX 15. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX. XXXX XXXX/XXXX/XXXX 17. XXXX XXXX/XXXX/XXXX 18. XXXX XXXX XXXX XXXX/XXXX/XXXX 19. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX 20. XXXX XXXX XXXX/XXXX/XXXX 21. XXXX XXXX XXXX XXXX/XXXX/XXXX 22. XXXX XXXX XXXX/XXXX/XXXX 23. XXXX XXXX  XXXX/XXXX/XXXX 24. XXXX XXXX XXXX/XXXX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

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 explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian & XXXX.

Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed.

Company & Inquiry date 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX 23. XXXX XXXX  XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery Associates have been reporting a {$610.00} collection account on my credit report. I have never had any business with Portfolio Recover Associates. I realize this is a debt collection company. As such, numerous times I have requested validation of this debt. I have been told that they are not required to provide debt validation. I have disputed this transaction several times on my credit report through XXXX. XXXX has not been helpful in having this item removed from my credit. I have sent them verification of a certified letter I sent Portfolio Recovery Associates requesting validation of the debt, or to have it removed from my report. Yet I 've received no response from Portfolio Recovery Associates. I believe at this time that this should be removed from my credit report as they have frequently broken the rules of FDCPA by refusing to send me any verification that this debt is valid and that they own this debt. I have no direct contract with Portfolio Recovery Associates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am being charged overdraft fees ( NSF ) when my checking account is still in the positive. 

On multi days in XXXX of XXXX. 

On XXXX XXXX, XXXX, XXXX. 

Each time my account goes less than {$38.00}, BBVA Compass applied a NSF Fee of {$38.00} making my account negative then they charge additional NSF fees for all other transaction

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I have submitted withdrawal request of $XXXX from Coinbase account to my verified Bank account on XX/XX/XXXX. As per email from Coinbase the amount should get deposited to my account by XX/XX/XXXX. But the funds are still not deposited as of today XX/XX/XXXX.My bank account has been verified by 2 small deposits by Coinbase. So there should not be any issue with the account information.I initially contacted Coinbase on XX/XX/XXXX but didn't get any response. After creating another support ticket, I got a response on XX/XX/XXXX that Conibase specialist is working on this issue. Later I contacted them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX by support ticket but didn't get any response till date. Their Customer Service number have extremely long wait time and states that withdrawal related issues are not supported by phone.I have included the withdrawal reference number and other documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Unauthorized Credit Inquiry To whom it may concern : The following inquiries were not authorized by me, please delete them. I have never given my permission for any company to inquire about my credit status any inquiries made or unauthorized. The presence of these inquiries on my credit report constitutes inaccurate information which under The Fair Credit Reporting Act must be removed. 

Company Name & Inquiry date 1. XXXX XXXX date N/A 2. XXXX date N/A 3. XXXX XXXX date N/A Once your investigation is complete, please send me an updated copy of my credit report. I would appreciate the name, address, and phone number of the companies who inquired about my credit so that i may follow up. 

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 explanation
Consumer complaint received 2017-12-27 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: TX

Complaint narrative:
I have disputed items to Transunion for six months now, which they have fixed some of my issues. I am a victim of Hurricane Harvey. My credit is very important to me. I called everyone of my creditors right after the storm. They all agreed to postpone my payments to recover from the storm damages. Now months after the storm, Transunion is reporting I have late payments on my credit report when I know I contacted each creditor and arranged an agreement. And also, Transunion is reporting I have missed payments on student loans that are duplicate accounts. All of my school loans have been deferred for years now, because I am XXXX XXXX XXXXl. This false reporting information has impacted my credit score and been damaging my credit for years now. I have been paying higher interest rates on loans and higher insurance rates, because of their erroneous reporting practices.

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 2017-12-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: KY

Complaint narrative:
XXXX XXXX -showed I owed them {$60.00} from an account on XX/XX/XXXX.I called the company at XXXX on XX/XX/XXXX and they said no account with my name could be located and if I had an account there then I would have an account number.XXXX XXXX also showed I Owed them {$60.00} from XX/XX/XXXX.I called them at XXXX on XX/XX/XXXX they also confirmed I had no account number with them.

Company response to consumer: Untimely response