vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Greetings, Citibank has been reporting to XXXX XXXX XXXX  that I opened a checking account that I never opened. We tried to get this resolved last year and I was unsuccessful so I'm doing another complaint with the CFPB. Citibank sent me a form in the mail requesting various information about the account ... I responded to them and sent them the requested documents and I never received a response from them. I'm really tired at this point of the inconsistency from Citibank.

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 — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
ChexSystems reports XXXX derogatory account and XXXX bankruptcy on my report which is not correct and negatively affects on my credit history. I have never filed XXXX or had any derogatory account whatsoever. As a proof, I will also attach my 3 Credit Bureau report which will show no such account or public record on file. 

RE : Consumer ID : 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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
XXXX  is not transferring my money to my new account. It has been over a month and they are not responding. I can only assume they are taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: CA

Complaint narrative:
My loan servicer changed from XXXX now to XXXX ( Nelnet ). My loan interest rate was reduced to 0 % with a loan modification I did a few years ago. Now Nelnet is charging me a 1 % interest rate and has already applied interest to my loan! This is disturbing beyond belief!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Hard Inquiry from XXXX XXXX XXXX ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls. 
XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized. 
XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry. 

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.

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: FL

Complaint narrative:
XX/XX/XXXX Hard Inquiry from XXXX XXXX XXXX ( I have not ask or apply for any credit cards with these people, unauthorized hard credit pull, two times in one day ) XX/XX/XXXX Hard inquiry from XXXX ( on this date they pulled twice my credit report and performed 2 hard inquiries without my consent, I did not authorize them nor apply for any credit cards. Someone used my information to apply for these credit cards, three time in one day I had hard credit pulls. 
XX/XX/XXXX Hard inquiry from XXXX same as above inquiries, I did not authorize nor apply for any credit cards. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize nor apply for credit card on this date, unauthorized. 
XX/XX/XXXX Hard inquiry from XXXX, I did not authorize this. 
XX/XX/XXXX Hard inquiry from XXXX XXXX, I did not authorize this hard inquiry. 

I have called these banks personally and explained them that these application weren't mine, also I did contact all three credit reporting agencies, but nothing changed it still hurting my credit.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I HAVE TWO ACCOUNTS ON MY CREDIT THAT I HAVE SUBMITTED DELETION LETTERS TO EQUIFAX THIS DISPUTE STARTED BACK ON XXXX AND EVEN WITH ALL THE DOCUMENTATION ACCORDING TO THE GUIDELINES SET BY THE FCRA THESE ITEM STILL REMAIN IN DISPUTE ON MY EQUIFAX FILE ... EQUIFAX IS A COMPANY THAT OUTSOURCES AMERICANS PERSONAL CONSUMER CREDIT REPORTS TO A THIRD WORLD COMPANY SO YOU CAN NEVER GET A CORRECT ANSWER FROM EQUIFAX THEY HAVE A PRACTICE OF TRANSFERRING YOU AROUND OR PUTING YOUR CALLS ON HOLD ... THE FIRST ITEM THAT IS INCORRECT ONLY ON MY EQUIFAX CONSUMER REPORT IS XXXX ACCOUNT # XXXX THE SECOND ITEM IS. XXXX XXXX XXXX ACCOUNT # XXXX BOTH OF THESE ACCOUNTS I HAVE SUBMITTED ALL DOCUMENTS NECESSARY TO BLOCK AND REMOVE THESE ACCOUNTS BUT EQUIFAX CONTINUES TO JUST PUT MY ACCOUNT IN DISPUTE AFTER DISPUTE AFTER DISPUTE..

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I feel I am being XXXX against by Capital One due to my recent complaints with the CFPB by exercising in good faith my rights under the Consumer Credit Protection Act. I feel that Capital one has refused me a credit line increase when I qualify and abided by Capital One requirements for eligibility for a credit increase. I also feel that CFPB Case No : XXXX in which Capital One responded to my complaint, was full of misinformation and shows a pattern in which Capital One seems to deny its consumers a credit increase, even when the consumer qualifies

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 — Public record information inaccurate
Company: Mountain Land Collections, Inc.
State: MS

Complaint narrative:
There are things showing up on my credit numerous of times. Also wrong information inquirys I didnt do mail In forms I didnt do either.

Company public response: Company can't verify or dispute the facts in the complaint
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 — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the XXXX XXXX XXXX ( FTC ) and filed fraud/identity theft reports with them along with contacted my local XXXX field agenct office in XXXX XXXX to report these accounts.

Company response to consumer: Closed with non-monetary relief
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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have been paying my account accordingly since the beginning of the loan. In XX/XX/XXXX, we were hit by a natural disaster in XXXX and apparently they stopped reporting my payments. This was not done at the request of myself. In XX/XX/XXXX I paid the car off. The account shown on my credit shows that the Santander account is still open with a balance when it is not.

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 information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS WRONGFULLY REPORTING ON EXPERIAN, XXXX AND XXXX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX  XXXXThe agent accepted XXXX  dollars to clear the account debt. ( see letter that arrived after conclusion dated XX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been XXXX.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX  XXXX AGENT, being transmitted to the bureaus after dispute.

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: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I am writing to you, because staff from Navient loan company reported inaccurate information lowering my credit score. after I have already spoken to someone and submitted my documents to them they still went ahead and reported that I am late on a loan that I requested to be put on forbearance. I resend the information by mail and by e-mail. This is not the first time that they have done this and I have made numerous attempts to get the matter resolved but was unsuccessful. please investigate this matter and report the correct information to the credit bureau. 

Thank you 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 information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, TRANSUNION AND XXXX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXX.The agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion dated XX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX XXXX AGENT, being transmitted to the bureaus after dispute.

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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX IS WRONGFULLY REPORTING ON XXXX, XXXX AND EQUIFAX credit bureau files.An offer to settle the charged off account came in the mail from an agent of XXXX XXXXThe agent accepted XXXX dollars to clear the account debt. ( see letter that arrived after conclusion datedXX/XX/XXXX.The charge offed amount was XXXX dollars.The balance reported afterXX/XX/XXXX should have been 0.Yet they reported XXXX dollars on all 3 reports wrongfully damaging my credit.FCRA DICTATES XXXX DOLLARS STATUTORY DAMAGES FOR THIS DAMAGE.THE WRONGFUL REPORTING OCCURRED AS THE RESULT OF THE malfeasance or fraud of the XXXX  XXXX AGENT, being transmitted to the bureaus after dispute.

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: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
My husband and I owned a single family home. He died last XX/XX/XXXX. This house was on XXXX XXXX XXXX in XXXX NC was put on the market, sold and closed on XX/XX/XXXX. " Dovenmuehle '' was the lender, account # XXXX. The mortgage was due at the beginning of the month so the time between XX/XX/XXXX and XX/XX/XXXXshould have been prorated and the remainder paid to me. I never received a check so I started calling to find out why I hadn't. 
I called and spoke at length to " XXXX # XXXX who said that a check had been sent to XXXX XXXX   instead of my home at XXXX XXXX XXXX, XXXX NC. ( why would they send a check to the address of the home I sold? ). XXXX said she'd put in a request to reissue the check and send it to me at XXXX XXXX XXXX 
The check never came. 
I called on XX/XX/XXXX and spoke with " XXXX '' who said I needed to send them a death  certificate before they could issue the refund. I sent it in. No check. 
I called on XX/XX/XXXX and was told I would have to fill out a form formally to change my address. I completed it and sent it back to them. 
I called on XX/XX/XXXXand spoke with " XXXX. '' She said they would have to check with the credit bureau to remove my deceased  husband from the account before they could issue me a check ( why this didn't apply in XXXX when they sent a check to the old address, I don't know ) I called on XX/XX/XXXX and spoke with " XXXX ''. I asked to speak to a supervisor. I was transferred to " XXXX '' ( XXXX ) who told me that the information wouldn't go out to the credit bureau until the end of XXXX. 
Still no check. So I called back on XX/XX/XXXXand spoke with " XXXX '' ( XXXX ). She said she saw all the records about my calls and that " it should have been taken care of. '' Apologies, apologies. She said she had put in a request for a check to be cut and sent to me. Told be I should receive it in 7-10 working days. 
You guessed it. 
Still no check. 
Mortgage company : Dovenmuehle XXXX XXXX XXXX, XXXX XXXX, Ok XXXX. ( 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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
OnXX/XX/XXXX I sent a goodwill letter and an extra car payment to Ally Financial for my car loan. 9 months prior to the letter and the extra payment I had fell behind, due to a serious medical condition. In which I had made Ally Financial aware of it immediately, so there would be no issues and to no avail my situation fell on deaf ears.

The good will gesture outlined asking for them to take all of the old late payments and bad remarks off of my account and add PAANL, which is Paid As Agreed and Never Late with all three credit bureaus, XXXX, XXXX   and XXXX.

The letter also stated by cashing personal check number XXXX dated XX/XX/XXXX Ally Financial would comply with the letter it is entirety, again with removing the late payments remarks and the fact of me sending an additional payment or to return the uncashed check to me. I submitted documentation to all 3 credit bureaus, and still there was nothing done. As of now it has been 11 months and still Ally Financial and the Credit Bureaus have not removed said late payments or remarks but did cash my check.

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
FCO ( fair COLLECTIONS and outsourcing ) has a debt on my credit report that is not mine. I have filed disputes against them and have had it taken off my credit reports many times due to no actual contract between myself and FCO. And it keeps popping back up under either a new kind of debt ( revolving credit, loan ) or a new start date. This is clearly illegal and unethical and I want this item removed from all credit reporting agencies permanently as suggested by my lawyer to do so after they were shown how FCO is getting around the process at the credit agencies. Clearly they have been hit with lawsuits in Washington DC   for similar reasons. I was never brought to court about this ridiculous amount of {$2300.00}. Or given a chance by FCO to dispute before put into collection. Nor have I been given proof that I have signed any kind of contract with them for them to come after me for a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Working with Capital One Auto Finance on a loan and when I fell behind they sent in repossessed and recovered the vehicle XX/XX/2014. Vehicle was sold without my knowledge and I didn't receive anything about sale of vehicle. XXXX and XXXX are still showing this account of report.

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 is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a certified letter to XXXX XXXX requesting validation of this debt. No response was received from XXXX XXXX, nor did they mark my credit reports as disputed. On XX/XX/XXXX, I sent a letter indicating the following : By not replying in a timely manner to my initial letter on XX/XX/XXXX you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

How can they The item was deleted from my credit report and then reinserted without any notification. 
I have attached a copy of the letters submitted to XXXX XXXX and a screen print of my credit report showing the insertion of this item. Per the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( B ) ( i ) ( ii ) ( iii ) and ( C ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I attempted to report a transaction as fraud, XXXX XXXX XXXX FL XX/XX/XXXX, paid using Paypal but transaction is not listed under Paypal account. The account listed under the email, XXXX is now restricted and am unable to dispute any transactions due to account status just mentioned. The card which was used for purchase, ending in XXXX, is now closed with XXXX XXXX. This is an XXXX purchase, someone logged into my XXXX account and has been making purchases/submitting offers to sellers for items. I previously had to report an item as fraud, a purchase from a XXXX XXXX in the amount of XXXX made on or around XX/XX/XXXX, I do not have exact date available. The person ( s ) responsible appear to be buying high end jewelry items, both purchases mentioned are XXXX XXXX watches as I have verified through my XXXX account. I need this transaction, XXXX XXXX XXXX FL XX/XX/XXXX, placed in dispute as fraud ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have a lot of unauthorized inquiries on my credit report and I disputed them to all 3 credit bureaus and they havent done one thing but took XXXX points off my credit scores XXXX they need to be handled for this and didnt enclosed why my scores were dropped thanks XXXX XXXX XXXX I am trying to buy a home and theyre te check my credit scores before I sign the loan and my credit scores need to be fixed back before this transaction happens again please help me before this transaction go back through

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 — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
A account from XXXX XXXX  XXXX credit on TransUnion for {$1000.00} was deleted and replaced back onto my 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