vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-18 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: TX

Complaint narrative:
My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed  XXXX , Experian, nor  XXXX  has ever validated or verified these public record entries on my credit report, neither will they ever be verified by the courts. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I request that the bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. The Credit Bureaus needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgment ( s ) - all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. I have given  XXXX , Experian and   XXXX    multiple attempts to follow the laws and even called them so I could discuss this with an actual person. Any help in this matter would be greatly appreciated. I am hoping this matter will result in the removal of the bankruptcy from my account.

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 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have two complaints against Citibank, 1 and 2 below : 1. I deposited a check in the amount of {$2000.00} to my Citibank checking account via an ATM machine located at a Citibank branch. I deposited the check on   XXXX    XXXX , 2017, at   XXXX   XXXX   EST at the Citibank branch located   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , Florida. The check was from a local municipality from the   XXXX   XXXX   XXXX   XXXX  , Florida, which under the Expedited Funds Availability Act, the funds should have been available on the next business day after the deposit was made which was   XXXX     XXXX , 2017. On  XXXX   XXXX , 2017, the funds were not available which was a flagrant violation of the law under the Expedited Funds Availability Act. I tried contacting Citibank via their chat feature on their website, their customer service said they could not help me with my funds because the check was supposedly in a " clearing house ''. Citibank is flagrantly violating the Expedited Funds Availability Act. The funds from the check deposit from a local municipality should have been available the next business day which they were n't. I deposited the check on  XX/XX/XXXX  and the funds should have been available on   XXXX    XXXX , 2017 per the Expedited Funds Availability Act. Citibank is violating the law by not having funds available the next business day when the check deposit is from a local municipality. Citibank is instituting excessive hold times on my check deposits and have broken the law by not having my funds available for me to use.
2. In addition, Citibank charged me overdraft fees on XX/XX/XXXX  and  XX/XX/XXXX  of {$130.00} for four payments of {$2.00} each. So for {$12.00} that was charged on my account from a vendor, Citibank charged me {$130.00} in overdraft fees. During a conversation with a Citibank representative they admitted that Citibank intentionally clears the large transactions first, and the smaller transactions last. I have attached a transcript of the conversation with the Citibank representative. This has the consequence of Citibank being able to charge more overdraft fees from all the small transactions. This is an unethical business practice, as Citibank wants to be able to rack up overdraft fees by intentionally draining my account with large transactions first and smaller transactions last so that they can charge more overdraft fees.

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 2017-07-18 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: CA

Complaint narrative:
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with Experian,   XXXX   and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry 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 non-monetary relief
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal Credit Union allowed for a credit card to be opened in my name fraudulently. I have contacted Navy Federal Credit Union,  XXXX ,  XXXX , and   XXXX   and made them aware that this account was opened in my name fraudulently and I have not been assisted. I was the victim of identity theft and I have over the past several years had accounts opened in my name fraudulently using my correct personal information, and this account is one of them. I have written to Navy Federal Credit Union about this matter, but they continue to hold me liable for an account that was opened in my name fraudulently. I have received no assistance at all from NFCU in getting the account closed out of my name and off of my credit reports. When I have tried to call in about the accounts I have received no assistance at all. The partial account number is  XXXX   XXXX / XXXX /2017 credit limit {$24000.00} is what shows on my credit report. This is not my account and is fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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 — Was not notified of investigation status or results
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
I have contacted   XXXX   XXXX  , regarding a negative report that they have placed on my credit report with  XXXX ,  XXXX , and  XXXX  credit bureaus. I have asked them to provide me valid proof baring my signature that the account reported was mine. However, they have failed to provide me valid proof baring my signature as required by the FCRA. They also broke the federal law, by not reporting that I was disputing the account that they reported to all  XXXX  credit bureaus as required by the FCRA. My first dispute was on  XXXX / XXXX  /201 7.   XXXX   XXXX   signed for a letter from me on  XXXX / XXXX /2017 that was sent certified/return receipt. Another certified/return receipt letter was sent on  XXXX / XXXX /2017 signed for by   XXXX   XXXX   on  XXXX / XXXX /2017 informing them they had violated federal law per FCRA rule 623 ( a ) ( 3 ). Their willful noncompliance has caused me financial hardship and I am asking for your help in this matter. I have attached all correspondents with   XXXX   XXXX   for your review.

Company response to consumer: Untimely response
Consumer complaint received 2017-07-18 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: CA

Complaint narrative:
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX , Transunion and  XXXX  reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry 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 2017-07-18 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: CA

Complaint narrative:
XXXX   XXXX   in   XXXX   XXXX  , California or somebody use my identity to pull my credit with  XXXX ,  XXXX  and Equifax reporting agencies.I never been to   XXXX   XXXX   to purchase a car or give authorization to pull my credit.
This is a hard inquiry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-18 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: CA

Complaint narrative:
I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is 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 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Systematic National Collection, Inc.
State: UT

Complaint narrative:
I sent a letter to validate the debt to Systematic National on 3 occasions. One on  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX . I have not received any validation of the debt or response within timeframe. I spoke with a rep from Systematic today who stated he does not have any proof of the debt and to contact the original creditor which is   XXXX   XXXX   XXXX   XXXX  . I called   XXXX   XXXX    and was told that the debt is with the collection agency so I have to communicate with them for everything. I called the guy back and he stated again that even though they are the ones collecting the debt they do not have the validation of the account. This is illegal and should not be reporting to   XXXX   XXXX   or to the credit agency 's. This debt can not be validated as mine and they are not cooperating with my request for verification.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was approved for  XXXX  dollars of line of credit from capital one but ca n't receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EVERBANK, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
On XX/XX/XXXX   XXXX  unauthorized charges went through my account.  XXXX  for {$190.00} &  XXXX  for {$340.00}. I called   XXXX   and they could n't find anything in my name, ph #, or email so I was advised to dispute through my bank. I filled out papers with my bank to dispute. The department that handles these issues claim the charges were authorized. No proof has been provided to me even though I have requested. The bank TIAA and I have had 3 way calls with   XXXX    and it has been proven that I did not authorize the  XXXX  transactions but the supervisors  XXXX  and  XXXX  do nothing about it. They do not return my calls or provide me with the proof that I authorized the charges. Please help  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 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: CA

Complaint narrative:
I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is 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 2017-07-18 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: CA

Complaint narrative:
I did n't apply for no credit for a auto loan or authorize nobody to use my information to apply for credit. A hard inquiry is on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To who it may concern I am here writing to you because on my credit report it shows that I have to pay   XXXX    XXXX  $ for an account that I have no recognition from I believe that I am going through identity theft if you could help me with this issue I have reached out to the compliments and try to distributed but they have denied it

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 2017-07-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
There are two issues with regard to my complaint about Coinbase Inc. based in XXXX XXXX, CA.
First, not exercising due deligence as promised by the company to protect the financial well being of the customers. This includes locking my account, and not being responsive to my numerous voicemail and email requests to resolve the issue. As a result, this has inhibited me from taking adequate action to protect my financial situation against recent too volatile digital currencies movement.
Second, not depositing or otherwise rejecting the fund I transferred from my XXXX XXXX XXXX account to my US dollar wallet account which is stored on coinbase platform ( {$8000.00} ).
The story : I opened a coinbase account and slowly started buying digital currencies ( BTC, ETH and LTC ) using my checking account and credit card. I excecised extreme caution in my new venture. On XX/XX/XXXX, I transferred {$8000.00} from my XXXX XXXX XXXX account to coinbase account at XXXX XXXX XXXX. The fund was supposed to be available in my US dollar wallet at cointbase account within 3 days. The XXXX XXXX XXXX  even confirmed that XXXX XXXX XXXX  received money on XXXX XXXX, 2017, but as of now (XX/XX/XXXX ) they have neither rejected nor deposited the fund. I contacted their bank but it did not avail me. As I mentioned, they lack a responsive customer support line.
Most importantly is the incidence that occurred on Friday, XXXX XXXX, 2017. I  made an attempt to sign up to XXXX XXXX, which is part of Coinbase Inc and is maintained by them. I used a different password than that used for my main coinbase account. I also used XXXX Authenticator required by Coinbase Inc as part of the sign-up process. I never scynronized my XXXX account with my wallets at Coinbase Inc. Within 2 minutes after my sign-up, I decided to log in to my main coinbase account, only to find that I could n't log in. I checked my email and found a notification from Coinbase that my password had been changed. Having thought that my account might have been compromised, I requested that my account be disabled by clicking on the safe link they had provided in the email. I also sent them an email to report the incidence. They got back to me the following day asking for the reason for my request!, and informing that my account would remain disabled until I confirm my password, email, and 2-factor security codes are secured. I have sent them numerous emails, and left them voicemails at their number at XXXX, but no responses yet. My account excluding the above {$8000.00} is worth around {$25000.00}.
This incidence may simply have been caused by my main coinbase account password being replaced by my XXXX sign-up password, a situation that I should have been warned upon XXXX  registration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have file for a Visa card for Capital One and Capital One Administration and Management keeps denying my application because I filed various Discrimination and Retaliation complaints with Federal Government.I was denied on XXXX, XXXX, XXXX andXX/XX/XXXX.
I am requesting a Federal Investigation against Capital One for Retaliation and Discriminating against me as a XXXX XXXX XXXX and XXXX and XXXX Military Veteran.
I have credit scores of XXXX XXXX and XXXX XXXX as I checked with XXXX XXXX XXXX. My credit score with XXXX is in the XXXX in which it will rise once the hard inquiries be deleted from XXXX  credit report and XXXX and XXXX.
I have provided my California Cal Pers XXXX Lifetime Retirement Pension income of {$4400.00} a month.
I own a home that has a value of {$320000.00} and I get Denied for a Visa credit card with Capital One?
I am XXXX  and XXXX and Capital One has denied me a Visa card because I am XXXX in which my ADA XXXX Civil Rights has been violated by Capital One Administration.
XXXX XXXX and XXXX XXXX and other Capital One Management keeps sending Denials Letters.
Also, Capital One denies a Visa card because I have a Bankruptcy Chapter XXXX on my credit file in which it was filed because of circumstances.
Bankruptcy was filed on XX/XX/XXXX and Discharged by XXXX, Texas Federal Judge on XX/XX/XXXX.
Capital One makes billions of dollars every year why company retaliates and discriminates against minorities and military veterans?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Today  XXXX  XXXX /2017 this collection account popped up on my credit report. I have never done business with this company nor do I have a contract wit this company. I as a consumer have rights under the FDCPA that the FTC enforces. This collection agency has never contacted me in writing to VALIDATE not VERIFY this alleged debt. This collection agency just appeared on my credit report today and I have the alert to prove it. If this company does not follow the law properly I will have no other choice but to contact my Consumer Rights Attorney and sue this company. If I owe any company money it must be presented according to the law. And popping up on my credit report out of the blue is not according to FDCPA laws. I have never received anything in writing from Credit Systems, I have never been given the opportunity to dispute and request validation as FDCPA states I have the right to. THIS IS A CLEAR VIOLATION OF Credit Systems illegally placed information on my credit report without my consent, knowledge or written authorization as required by the FCRA. I have also contacted my consumer rights attorney who is with the law firm   XXXX   XXXX   XXXX  . I have never been given the right to dispute. REMOVE YOURSELVES IMMEDIATELY OR I WILL INITIATE A LAWSUIT FOR VIOLATION

Company response to consumer: Closed with explanation