vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with XXXX over the last nine years. I have discovered that they ran my credit twice on XXXX/XXXX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on 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 explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I went in for my fourth lease over the last 9 years or so. I was told I was a tier one leasee and that I didnt need my credit run due to my long history of positive on time payments with XXXX over the last nine years. I have discovered that they ran my credit twice on XXXX/XXXX/17 without my authorization - causing my credit report to have two hard inquiries, which cause my report to drop from a perfect XXXX to a XXXX. I need this fixed as Im trying to buy a home and my mortgage is dependent on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been requesting all three credit bureaus for well over a year to remove my bankruptcies as well as my student loans from being shown as public property and is ruining my credit because they are derogatories. I can't count how many times I've requested my address to be based only for XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV. XXXX as my only address but they refuse to remove multiple addresses located all over XXXX XXXX, NV as well as an old po box in XXXX Ca., I have requested numerous times to remove XXXX XXXX XXXX  who is on XXXX discharged as of XX/XX/XXXX but they keep popping up on my credit report even as of this date XXXX ; not only XXXX XXXX XXXX but also XXXX who is on XXXX, University XXXX XXXX who is on student loan deferment program because I am XXXX, XXXX XXXX who been paid XX/XX/XXXX because I used them for one month pre paid service to stay in an emergency circumstance as a weekly apartment along with all their multiple collection agencies that appear as some type of holdings or securities payment through my disadvantages with them that are fraudulent $ XXXX,. XXXX XXXX XXXX  absolutely refuse to be off my credit bureau and I found out they said I have some type of loan with them for a car/house or both that is false. XXXX XXXX is a fraud account I have never applied for as well I keep requesting to be moved but yet in still they are present on XXXX  XXXX. I would like my bankruptcy case # XXXX filed XX/XX/XXXX discharged XX/XX/XXXX to be removed from public access on my credit report as well as my student loans to be removed from public access on my credit report for the amount of {$54000.00}. I have sent multiple request to remove as well as received documentation from the Bankruptcy Court District of XXXX XXXX, NV. stating that they do not authorize or give consent to reporting my bankruptcy 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 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I made payment arrangements w IQ data international, inc XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
My concern was when I realized I initially owed XXXX and now I owe XXXX.???? I've paid them XXXX, which btw wasn't easy for me but I made sacrifices. I called the company. After about 50 telephone " offers '', the recording tells me " we are sorry, the new number is ..., ''. I called new number. More offers. Then without identifying themselves I got " please say residence, business or government ".

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries.

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives.

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results.

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Sir or Madam, I am writing you to report a total injustice of my credit report being pulled 18 times for one vehicle loan. I only gave XXXX XXXX permission to pull my credit on one occasion. I checked my report and it had been pulled a whopping 18 additional times plummeting my credit score to the 500 range. I did not authorize the below 18 inquiries. 

Please place yourself in my shoes and stop this egregious practice from dealerships damaging consumers lives. 

I am requesting that the 18 inquiries listed below be completely removed from my credit report within 30 days. I appreciate you assisting me in contacting the below 18 companies to have the hard inquiries removed from my credit. I have disputed this atrocity through credit bureaus with no results. 

List of 18 companies below to be removed from my report : Automotive, XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX  XXXX Inquiry from XX/XX/XXXX + Automotive XXXX   XXXX  Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Finance XXXX  XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX   Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX  Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX Please feel free to contact me with any questions or additional information at XXXX or XXXX. 

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 2018-03-12 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: DISCOVER BANK
State: CA

Complaint narrative:
Hi, I do not remember for applying Credit from following 1st and 2nd company. 
I request you to pls remove off from my credit report. 
1 ) XXXX XXXX XXXX : Inquiry Date : XXXX XXXX National Credit card Cos. 

2 ) Discover Bank Inquiry Date : XXXX XXXX & XXXX National Credit card Cos. 


and I have closed everything form XXXX XXXX XXXX. I have nothing with XXXX XXXX XXXX. 

3 ) XXXX XXXX XXXX XXXX XXXX. 
Inquiry Date : XXXX XXXX Telephone Companies

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
XXXX XXXX sold me a Nissan Altima under false pretenses stating it had a clean XXXX ( which I just found out it does not ) and under the false pretense that I had a 6.34 % rate. I overpaid for this car from the beginning based on their lie, as the damage on the XXXX that they claimed was clean immediately reduced the value of the car, which was greatly exaggerated. As for the 6.34 % APR, only 69 % of my payments have gone towards principle, which means I basically have a high interest credit card type payment for a car loan. I asked Nissan about it and they blamed the extensions they've given, but they never explained these extensions could nearly raise my interest paid to 500 % of what it should have been. When trying to trade of the Nissan completely, I found my car to be at nearly {$11000.00} negative equity, which means I can't leave Nissan if I want to. Assuming even 200 % the marked interest rate of the loan, over {$3000.00} more would have went to principle making a trade out slightly more possible. I am trapped by Nissan because of their deceit at the dealership and also by Nissan Finance practices themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Our Bankruptcy was Successful, and Lien Releases and Account updates were due XX/XX/XXXX, Discharge Order dated XX/XX/XXXX has been sent various time. On XX/XX/XXXX I called XXXX XXXX asking that the account be updated and was notified that the account would be reconciled and lease from their Bankruptcy Dept. within 30 days. I am currently trying to refinance my loan due to the 6.75 % to a 4.1 % ; I am currently on day 55 and STILL waiting for Seterus Inc. to expedite my request. 

As of today, XX/XX/XXXX I have incurred {$630.00} for a 10 day lock extension to maintain my interest rate and a direct result of Seterus Inc. failing to comply with The Fair Credit Reporting Act ( FCRA ), require that my payoff accurate in a timing manor. Additional, I could have had this already refinance and I am still currently paying the hire interest at 6.75 %, this is costing me significantly. 

I have never made a payment past 30 days ; the Payoff Demand from Seterus Inc. sent on XX/XX/XXXX states my next payment due XX/XX/XXXX. Additionally Seterus Inc. sent a Credit Supplement - Mortgage Rating indicates last payment received XX/XX/XXXX and reports no payments past 30 days, the Payoff Demand by the Bankruptcy Department contradicts the Credit Supplement. 

I have make various phone calls and sent letters, at times they are rude and tell me they are over loaded with these types of cases and they are doing their best. I am very stressed and frustrated and need help to reach the next ten day deadline or it will cost us more money. I will attach the attorney 's letters, my letters and Bankruptcy notice. 
Main Contact at XXXX - XXXX XXXX, Bankruptcy Dept XXXX or XXXX XXXX, both from the management team.

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 2018-03-12 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: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have sent them several letters asking them to validate this alleged debt they say I owe XXXX XXXX XXXX XXXX. They have not validated this debt, the amount they alleged I owe them nor how they arrived at that amount. Portfolio Recovery Associates have ignored my request that they " desist and desist '' collection activities as required by law until they validate this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I have sent XXXX XXXX a letter asking to validate that the account does belong to me ( see attachment 1 and 2 ). I have asked for pertinent information clearly ( see attachment 2 ) and highlighted such as : agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor ; complete accounting of alleged debt ; etc. 

XXXX XXXX responded with a letter ( see attachment 3 and 4 ) that says : we are uncertain of what you are specifically disputing and a written explanation and documentation demonstrating any errors in our account information, etc.

Please see attachment 1 and 2 in which I have requested clearly to validate under the FDCPA to provide me with a competent evidence that I have any legal obligation to pay, which the said company has not done so and replied with a generic letter.

Prompt action would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY

Complaint narrative:
USAA increased the interest in XX/XX/2018 on a closed credit card account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Contacted Franklin Collection Service , Inc. About a debt that has already been disputed through XXXX  when it was with another debt collection agency XXXX  removed it due to wrong amount! It appears that Franklin Collection has put the debt back on my credit report when it has already been removed before by XXXX! As it is written by law that if a debt is deleted off your credit report it can not be added back on. 
The amount on debt {$310.00} Last 4 digits of social security number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK

Complaint narrative:
Discover is being strange and aren't doing there job correctly, I have file a dispute twice and they fail twice they are putting the incorrect information twice and have told me that they transaction was valid which we are know that i'm disputing against XXXX that because they have only credit me half of my returns when i'm waiting on my other half of the returns of credit and discover doesn't understand what is going on who did they hire to do these kind of jobs???? they only care about taking our money becareful people not every human being are nice ... ... 

give back my money and I have uploaded all of my documents what else do you need!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My late husband ran up huge debts, some in his name, some in my name. He XXXX XXXX in XXXX, 2015. My was XXXX XXXX, according to Texas law. I am being threatened by XXXX, a company in California, for a Citibank card. I did not use, and was not even aware of that card. Apparently, XXXX XXXX XXXX " dumped '' an overdue card of his own, probably an XXXX XXXX card, onto a card in my name. I wrote a letter explaining this to Citibank, when I discovered the debt on my credit report. Now, almost three years later, I received a letter from XXXX, threatening me, if I do not pay them, for outstanding debt of that card. I have sent a letter to them, as well, with a more lengthy explanation, and other supporting documentation. I will attempt to attach a copy here, without the other attachments, but will supply those, as well, if necessary. The most important this is : THIS IS NOT MY DEBT. If I am sued, I will fight this. I never used that card. I am XXXX. I sold my house to pay off any debts that might have been mine. I do not own a car. I think these people will be ruthless, and I am afraid, because, as I said, THIS IS NOT MY DEBT, and I am in very poor health.

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 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Coinbase fraudulently transferred moiney in the form of bitcoins valued at {$4300.00} on XXXX XXXX 2018 out of my account to coinbase, the trading exchange. 

I get a message on my phone which states " XXXX coins worth {$4300.00} sent to coinbase '' I never initiated or authorized it nor my account was not compromised. I have all logintimes and 2FA set up. 
Coinbase needs to answer why did they siphon out the coin from my account for no reason and pay me back the coin with fines as I lost asset value as well as the principle amount. 

I complained several times to them and all they do is send me FAQs to secure account, lock up my account.They never answer who initiated the transfer to coinbase which is them and what is meant by the message. 
Also I did not get a confirmation email for the same. 
This is a fraud perpetrated by the company against small investors and since we do not have a voice, they do not have adequate support staff to answer and they lock our account, making us suffer losses as well as mental agony. 
Such fraudulent companies must not be let to operate as they find loopholes to suck out money from our legitimate accounts and give no explanation. 
They seem to have no Risk management or processes in place and scant regard for small consumers as we have no voice. 

http : //support.coinbase.com/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: Capio Partners, LLC
State: FL

Complaint narrative:
a check for a co pay of XXXX was sent to hospital on XX/XX/XXXX and check was processed for payment to hospital on XX/XX/XXXX. the hospital sold this account to a collection agency and there for caused us to have to deal with this agency unnecessarily. XX/XX/XXXX a mailer was dated and sent to us as a notice of debt. we contacted the collection agency and told them there was a discrepancy because this account had been paid onXXXX.they had ask for a copy of the check with the patient number on it which we faxed to them onXXXX.they have ignored our attempts to settle this matter and have continued to try and collect on a bill that was paid. they have since used an affiliate to try and use other tactics to try and collect monies since not responding to there demands of payment they have put us into the credit bureau, which was totally unwarranted. we have contacted the credit bureau and disputed it and sent the copy of the cashed check from the hospital that they ask for, that was cashed on XX/XX/XXXX and have not been able to have this removed and that's the need for help.

Company response to consumer: Closed with non-monetary relief