vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this card was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I am currently traveling out of the country in XXXX & kept my Chase Sapphire Preferred Card for this trip specifically given it doesnt charge any foreign transaction fees. However, doesnt seem to be a true statement as the math doesnt add up unless they build the fee into the transaction! For example, I charged an {$11.00} AUD transaction at approximately XXXX this morning, which after 5 minutes/upon arrival of the email confirmation ( set up for all international charges on this card ), I checked the conversion rate & it said the transaction should total {$8.00}, but the charge on my account reflected {$8.00}.  HIGHER than what it should have been, and although not by much, seeing as how Im making several purchases each day for the 3 weeks I am here, and the transactions leading up to this trip, it is a material amount! I was told no foreign transaction fees which I felt the potential annual fee might then be worth it, only to be deceived and them tack it on behind the curtain! Extremely unfair and extremely misleading when the math is not matching and no explanation is given. I reached out to chase support and they only gave a vague explanation and when I gave this exact/specific detail, all communication went silent!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: TX

Complaint narrative:
I have recently obtained a copy of my credit file and there are many inquiries appear without my authorization

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 2017-10-31 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: TX

Complaint narrative:
I have recently obtained a copy of my credit file and there are many inquiries appear without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account is about my child support payment to the Texas OAG office. The account balance and the reported payments are always reported wrong to all the credit reporting agencies. 

Since XX/XX/XXXX, I had been awarded and receiving a monthly social security survivor benefits in the amount of {$1300.00}, to which the Texas OAG attached a lien and had since been collecting one third of my benefits every month in the amount of {$450.00}. The OAG office collects this amount from my survivor benefits promptly without fail. Also in XX/XX/XXXX I settled an auto insurance claim for about {$13000.00}, and between the lawyers, the hospital bills and the rest of the other medical bills, the OAG got {$5900.00} of the settlement, and the rest went to the attorneys and the rest to the medical providers to settle the medical bills. Not a penny for went me. I do n't have a problem with the OAG taking the money for my child 's support, what I have a problem with is the reporting errors. 

For instance, my total monthly child support payment is {$340.00}, of which {$220.00} is for the chaild 's support, {$75.00} for the child 's medical, and {$100.00} to go towards reducing the arrears, which as of XX/XX/XXXX before the social security survivor benefits I started receiving my benefits my arrears was then at a little over {$10000.00}. But as I already indicated, the OAG office is actually {$450.00} from my benefits. Yet for the past 10 months, my credit consumer report is showing zero payment into the account, it shows that no payment has been made on the account for almost a year, that has always been past due for 30, 60, 90 days, and that is just not true. I have all the documents to prove it if requested. As of today when l checked the account balance, it shows that the account is past due 8 months, and the remaining balance does not accurately reflect the arrears balance.

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 2017-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
I had an account with coinbase to purchase and store crypto currency. On XXXX XXXX I had reason to believe my account had been compromised and immediately closed my account. Upon doing so I was prompted automatically to empty my digital wallets and transfer any balance to external wallets. However, i had vault withdrawal ( a multi-sig delayed transaction Wallet, used for extra security, withdrawals take 48 hours to complete ) of XXXX bitcoin in process which I had forgotten about. I was NOT prompted to transfer this or reminded in any way. As soon as I realised I tried time and time again to contact coinbase to no avail. Finally I managed to get through to them on XXXX XXXX where the operator said he couldnt see the transaction and we then got cut off. I forwarded the withdrawel confirmation email and requested they call me back but they did not. I then managed to eventually get through to them again on XXXX XXXX and this time they confirmed the transfer had gone through and they could see the funds in my old wallet. The operator said he couldnt transfer them manually and a specialist would have to do it, but this would take a few weeks. I had no option but to agree obviously. A few hours later however, I received an email from coinbase stating that as I had closed the account, my funds were now forfeited to coinbase!!! I checked their terms and user agreement and there is no mention of this. They had already confirmed that a ) they can see the funds and b ) they are able to manually transfer the funds. So there is absolutely no justification for them to retain my funds at all, i committed no wrongdoing or breach of our terms. I closed my account ( and opened a new one ) due to security concerns. This is literally robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE HAS LOST ALL MY INVESTMENT ACCOUNT THAT I HAD WITH WASHINGTON MUTUAL AND 401K PLANS AND REFUSES TO GIVE ME MY DAUGHTER SOCIAL WHEN I SHOWED THEM I 'M THE ACCOUNT HOLDER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
On my credit report the the company ( XXXX XXXX XXXX [ closed ] /XXXX XXXX XXXX ) states that I owe {$10000.00}. I spoke to a rep in the repo dept department at XXXX and he said that I only owed {$3200.00} ( estimated ). That 's the first complaint. Second complaint is the fact that XXXX XXXX XXXX never notified me of the selling of my account. Third complaint, this company is reporting me as being late several times throughout the loan when in fact ... I was never late a single payment until I lost my job. The company repo'ed my car causing me financial hardship and severely affecting my credit worthiness in getting another vehicle. I tried to communicate with the above company to no avail. They were n't hearing anything that I had to say. I called several times and each and every rep was extremely rude and totally heartless. Please remove this company from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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:
I have contacted Equifax several times over the past two to three months advising them that there were multiple requests for my credit file ( inquiries ) that I do not recognize or recall authorizing, from the following companies : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. 
XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX  XXXX XXXX # XXXX Equifax has refused to remove the information ( inquires ) stating that it is a factual record. I have submitted written documentation requesting for these inquires to be investigated and Equifax again, refused to remove the information. I have notified Equifax that my information was compromised by a security breach from the federal government which was a previous employer and Equifax still refuse to remove the information. I have sent verification of my identity and requested in writing for this information to be removed and Equifax has refused to do so. I would like this information removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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:
I checked my Equifax report and it has not updated in almost 6 months. Several debts have been closed and while my XXXX score has improved by 87 points, the Equifax report has yet to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
I received a settlement offer earlier this year from US Auto Credit, I was n't sure why they were offering me a settlement since the debt was XXXX in a chapter XXXX bankruptcy over two years ago. A few weeks ago I tried to obtained credit and was denied so I pulled a copy of my credit report and noticed that this account was reporting as a debt owed and no mention of it being a part of a bankruptcy. I sent a debt validation letter to US Auto credit and that responded stating that the debt was XXXX, however, they still tried to collect on the debt as you can see in the letter I received earlier this year. XXXX XXXX credit has clearly intentionally violated a federal law, as on their letter dated XXXX/XXXX/XXXX they state the debt was XXXX on XXXX/XXXX/XXXX but they still attempted to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
My mother XXXX away XXXX XXXX, XXXX. Her name is XXXX XXXX XXXX XXXX. My step father is in a XXXX home and is incapable. I received power of Attorney in XXXX XXXX. After researching their checking account, I I discovered monies being taken from their account that should not have been deducted. XXXX XXXX has refunded about {$6000.00} due to all the areas. I have requested on nine occasions bank statements from XXXX XXXX to XXXX XXXX their were unauthorized deductions from their account due to my mothers untimely XXXX and also my father being a XXXX vet. I estimate they still owe my parents {$5000.00}. XXXX XXXX was deducting {$140.00} from my parents account that was fraudulent. They said my mother requested the accidental insurance during her death. She had already expired. They refuse to work with me to get my mothers final reimbursements for fraudulent charges and items that should have never been deducted due to her XXXX. They keep sending me on a goose chase. They refuse to refund additional monies. They told me that they do not keep Bank statements past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect
State: CA

Complaint narrative:
There are four (4) separate credit reportings that were opened on XXXX XXXX, 2014 (3 yrs, 9 mos) by XXXX XXXX XXXX XXXX. This is a gross misrepresentation of services received and these debt are not mine. I never received an services at this facility or or by their corporation. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: NJ

Complaint narrative:
Upon checking my credit report I noticed unauthorized inquries. One being from XXXX who pulled my report on behalf of XXXX XXXX XXXX XXXX. I did not authorize this inquiry which is a violation on the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PlusFour, Inc
State: CA

Complaint narrative:
There are XXXX ( XXXX ) separate credit reportings that were opened on XXXX XXXX, XXXX ( 4 yrs, 8 mos ) and XXXX XXXX, XXXX ( 4 yrs, 1 mo ) by XXXX HOSPITALISTS and XXXX  XXXX SOLUTIONS. This is a gross misrepresentation of services I have never received and these debts that are being reported are not mine. I never received an services at any of these facilities and or by their corporations. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have reported to XXXX several times about XXXX purchases that I never received from the merchant. The first purchase posted to my account on XXXX XXXX, XXXX, for {$580.00}, and appears on my statement as XXXX XXXX XXXX, OH. The second purchase posted on XXXX XXXX, XXXX, for {$360.00}, and appears as XXXX, OH. I never received the merchandise in the first place despite tracking information shows the shipments were successfully delivered. Carriers have been known to leave packages unattended at the porch and as such anyone could have just taken it. I never heard back from XXXX regarding any of these disputes I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
I received a credit monitoring alert that XXXX XXXX XXXX also listed as LAW OFFICES OF XXXX XXXX company added a collection account to my credit file on XXXX/XXXX/XXXX. I have never done business with this company nor have I ever signed any contracts, I have absolutely no knowledge of this debt, I never received a letter in the mail, and I have never done business with XXXX XXXX I which is listed on my credit file as the original creditor. I also never signed a contract with XXXX XXXX I. My information has been compromised several times in the past and has caused me a great deal of financial stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 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: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I have a total of 20 collections from Central Financial Control on my credit report for XXXX XXXX they were removed and some how replaced back asked for documents and bills to verify each account still no verification but its being reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I lost my job and my Wells Fargo Dealer Services agreed to allow me to pay weekly or no weekly to get caught up as there was a delay in me receiving unemployment. 
I made my first agreed payment of {$200.00} on XXXX XXXX XXXX, On XXXX XXXX XXXX sometime after XXXX pm the car was towed/repossessed from my home. 
When I made these payment arrangements I requested them in writing, XXXX refused saying they only note the account, not provide written confirmation of the agreement. 

Ater the car was repossessed I was told there were no approved payment arrangements noted tot he account, or on record. 
The car is to be sold on XXXX XXXX if I ca n't pay their fees, repo fees and XXXX fees to get the car back. 

This is not my only concern with this organization. 
On XXXX XXXX XXXX, while in California I paid XXXX cash at a XXXX branch to be later told the payment was credited as XXXX. Not XXXX. 
I scanned a copy of the receiot to XXXX XXXX DEALER SERVICES only to be told over XXXX week period it was never received. 
I asked for account managers email, they refused to provide, as obviously the fax # I was sending to there was an issue. 

Prior to this incident, in XXXX XXXX I again made a cash payment at a XXXX branch In XXXX, As close to my home. 
I paid the full payment of XXXX, however the receipt only said XXXX. I went to the branch XXXX there, explained what happened. It appears they were trying to cover for the teller who did this ( she still works there XXXX, so I demanded they call loss prevention and have them come review the video footage. 
They did, found the error and said they would correct it.I am not sure what correct it meant but my loan payment was never credited and my account was NEVER credited the missing loan payment that the teller mishandled to this day. 
I requested a thorough account audit and account payment history from XXXX XXXX thru current, the payment feom XXXX XXXX still says XXXX as oppose to XXXX as it should be. 

Overall, I have tried to stay in XXXX touch with whoever handled my accoubt if there is an address but it appears if there is great financial hardship or detriment WELLS FARGO DEALER SERVICES will tell you one thing on the phone and do whatever they want in the interim. 
They can not be trusted at the loan servicing level all the way down to the branch level.

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 2017-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
what they fail to tell you that i dont want the items i told them i want to return it 3 times b/c they didnt give me a all connect media that makes the TV usless cra violation and hung up on me b/c i wanted to return it 5 times

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
After finding out about the Equifax breach of most American citizen I logged on the my Equifax account on XXXX/XXXX/XXXX and discovered there is an address listed on there as one of my prior address however I have never lived at XXXX XXXX SC address. I tried to have it corrected or deleted and I was sent to this website to make a formal complaint.

Company response to consumer: Closed with non-monetary relief