vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto finance ran my credit report 2 times at the discretion of XXXX XXXX XXXX in XXXX XXXX, TX. I visited XXXX in XXXX XXXX on XX/XX/2018 to inquire about a XXXX XXXX XXXX. I DID NOT sign an application nor did I authorize to have my credit ran. Upon viewing my credit file, I noticed two hard pulls from Capital One showing on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: AES/PHEAA
State: WA

Complaint narrative:
There are multiple accounts from XXXX XXXX XXXX/ and other school loans that are showing delinquent. All student loans are current and combined into new rehabilitated loans that are current. I had contacted the loan providers to remove due to the current status and they denied compliance with my request. The negative loans still show on the various reporting agency reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Scott Fetzer Financial Group Inc.
State: VA

Complaint narrative:
Account is closed and was paid in full. Never late. Account is still on credit report showing a 60 day late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: American Student Assistance
State: WA

Complaint narrative:
this account has been transferred to XXXX XXXX XXXX and is currently being paid through that lender. I have asked for the account to be removed due to current student loan status and was refused, account information is inaccurate ; date opened shows : XX/XX/0001? what is that?

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 2018-03-11 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX XXXX billed me for a service I never authorized ( see attached documentation ) on XX/XX/XXXXat XXXX They billed on my credit card a {$490.00} charge for a next full year of service. I contacted XXXX XXXX and said I never authorized the charge and did not desire their services for another year ( see attached documentation ) - I notified XXXX XXXX on XX/XX/XXXX at XXXX XXXX that I never authorized such billing I explained to XXXX XXXX that I had already removed them as the registered agent and they continued to bill the {$490.00} charge anyway I contacted my credit card company and they then removed the charge About a month later XXXX XXXX billed the charge again by claiming the charge was for service provided Which is a lie The charge was for future services that I did not wish to have from XXXX XXXX ( see attached documentation ) Now it is fraud and my credit card company refuses to accept the charge as fraud and will not remove 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 2018-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PR

Complaint narrative:
First notice XX/XX/XXXX thereafter I call the company and the bank and indicated to take action with the CFPB to solve the issue. In XX/XX/XXXX receive another letter to pay the debt. Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: DE

Complaint narrative:
My mortgage was originally through XXXX, but sold to Seterus. For the 11 years I have been paying I pay online. Recently I received an email and letter from XXXX offering a " discount '' of my late fees. First I wasn't aware of any late fees because NO WHERE on the online payment portal does it disclose there are any late fees on my account. It just shows the principal due. The letter from Seterus dated XX/XX/18 shows that I owe in excess of {$2000.00} in late fees that I was completely unaware of. My entire mortgage payment is only {$1400.00}. a month.

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 2018-03-11 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: Security National Automotive Acceptance
State: MD

Complaint narrative:
I voluntarily gave the XXXX XXXX XXXX ( SNACC ) back their car, which is considered a voluntary repossession. This occurred early XX/XX/2016. SNACC was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: Radius Global Solutions LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a charged off credit card account that I had with them. I asked them to verify the debt and stated that upon verification I would be happy to settle the account if in fact the status and amount owed were correct. They never verified the account. Instead I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX offering a settlement of the account for {$270.00} of the supposed {$410.00} owed. At the time I did not take the offer because XXXX XXXX never verified the accounts validity. On XX/XX/XXXX I received a phone call at my parents house ( still not sure how they got their number as I never provided it but am a XXXX ) stating that they wanted payment of {$330.00} to resolve the account right then. I asked if I paid this amount would they delete the account from my credit report and they stated no but that it would update as settled to the credit bureaus. I took them up on the offer because I wanted to be done with this company and my wife and I are trying to improve credit scores to build a house. Upon checking my credit report in XX/XX/XXXX they did update the information however it still shows as charged off and reflects a balance still of {$83.00}.

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 2018-03-11 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I voluntarily gave the XXXX XXXX XXXX ( XXXX ) back their car, which is considered a voluntary repossession. This occurred early 2016. XXXX was supposed to " auction '' the car off, but i was never notified of the sale. But They report a closed $ XXXX Balance on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: IN

Complaint narrative:
I paid the settlement debt amount of {$110.00} on XX/XX/2018 to XXXX XXXX XXXX XXXX XXXX and they did not remove this debt nor report it the credit bureaus.

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 2018-03-11 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
IN 2009 MY APARTMENT WAS BROKEN INTO AND THEY TOOK ALL IDENTIFICATION ALONG WITH PEROSNAL BELONGINGS, COUPLE YEARS LATER I START GETTING COLLECTION CALLS AND AT THE TIME I WAS UNEDUCATED ON CREDIT REPORTING AND UNAWARE OF HOW THINMGS WORKED. I ENDED UP PAYING TWO DIFFERENT COLLECTION AGENCIES OVER {$2000.00} AND COME TO FIND OUT THESE AGENCIES WERE FAKE, THEY SCAMMED ME! THE CALLS CONTINUED AND THEIR WERE MORE AGENCIES TRYING TO COLLECT, THEY WERE CALLING FAMILY OUT OF STATE, MY EMPLOYER IT WAS GETTING OUT OF HAND. AS THEN YEARS WENT BY I STARTED MONITORING MY CREDIT REPORT FILE TO FIND SEVERAL FRADULENT ACCOUNTS AND GOT THEM ALL REMOVED, HAVING THE ORIGINAL CREDITOR CONFIRM THE ACCOUNTS WERENT MINE. XXXX IS A ACCOUNT THAT HAS BEEN ON MY REPORT FOR YEARS AND I HAVE TRIED FOR YEARS TO GET XXXX, XXXX, XXXX TO REMOVE THE ACCOUNT AND I CAN PROVIDE YOU WITH CERTIFIED LETTERS I SENT TO THEM. I REACHED OUT TO THE COLLECITON AGENCY WHO REFUSED TO GIVE ME ANY VALIDATION OF THE ACCOUNT BECAUSE I TOLD THEM IT WASNT MINE AND THEY INSISTED IT WAS, THEY FINALLY THREE YEARS LATER SENT ME A LETTER STATING DEBT VALIDATION. THE LETTER DID NOT HAVE ANY INFORMATION VALIDATING THAT THIS DEBT IS MINE. IN THE LETTER IT HAD MY NAME, ADDRESS, BIRTHDATE, NO ACCOUNT NUMBER, AND THEY LISTED 2 DIFFERENT ORIGINAL CREDITORS. I STILL HAVE LETTERS THEY SENT OUT TO ME AND THE ONES I CERTIFIED MAIL TO THEM. THE FIRDT ORIGINAL CREDITOR WAS XXXX WHICH THEY CLAIMED WAS LOCATED IN NEW YORK, I WAS BORN THERE AND MOVED TO MARYLAND AT THE AGE OF XXXX YEARS OLD SO THEIRS NO WAY I COULD HAVE GOT THAT CREDIT CARD IN HIGH SCHOOL, THE SECOND ORIGINAL CREDITOR WAS XXXX XXXX. I HAD ANOTHER FRADULENT ACCOUNT WITH XXXX XXXX YEARS AGO WHICH WAS REMOVED BECAUSE XXXX  XXXX CONFIRMED I HAVE NO CREDIT CARDS WITH THEM, SO THERES NO WAY ITS FROM THEM. MY SOCIAL HAS BEEN FLOATING AROUND AND THE CREDIT BUREAUS HAVE BEEN NOTHING BUT EXTRA STRESS, THEY HAVE DONE NOTHING, THIS ACCOUNT IS IMPACTING MYN SCORE AND ITS UNFAIR I HAVE T0 SUUFER ON SOMETHING THAT ISNT MINE AND HAS BEEN ADDRESSED SEVERAL TIMES! IT SHOULD HAVE BEEN TAKEN SERIOUSLY AND REMOVED YEARS AGO! PLEASE HELP ME! THEIR HAVE BEEN SO MANY INCONSISTERNCIES ON THIS ACCOUNT, THE DATE OF THE ACCOUNT BEING OPENED, THE BALANCE, AND MORE. THEY ARE REPORTING DIFFERENT INFORMATION TO EACH AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I applied and received a card fro XXXX XXXX via XXXX XXXX. Shortly after using card I lost it and got a replacement. The replacement card didn't have the same account number. Most companies change the check digits, but I received a completely new account number which required a completely different login setup to be established. Then because of the replacement Synchrony never journaled the balance from the original card correctly. Given XXXX XXXX  inability to sync replacement cards with original account and poor customer service I canceled the card and paid off the balance. I never revolved. Synchrony after the fact charged a membership fee. I had the fee reversed. Then a finance charge of {$2.00} appeared on the account for the membership fee that was reversed. The {$2.00} was finally reversed. I thought I was done on XX/XX/XXXX! Now I received a letter that Synchrony sold my original account to XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$370.00}. Synchrony didn't journal over the charges from the 1st card to the replacement card correctly! Their accounting is all wrong! Accounts ending in XXXX and XXXX should be closed with a zero balance! There systems didn't reconcile between the 1st account and replacement account. That's pretty hard to do when you don't maintain the same account number!

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 2018-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I sold Litecoin and Ethereum on Coinbase on XX/XX/2018. I sold {$30.00} Ethereum and {$53.00} Litecoin. Both amounts were supposed to go into my XXXX XXXX account ending in XXXX about a week after XX/XX/XXXX. It has been almost a month and I have not received any money. I contacted my bank and they said they have not received any deposits from Coinbase. They told me to contact Coinbase and tell them to file a claim. Coinbase told me they will look into it and put a " specialist '' on my case. I have not heard from them at all. I have proof of all transactions and proof I have not received my money. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Every time I send a package to family member that address shows up on my credit report. I have been on XXXX XXXX for over fifteen years. Before that I was living on XXXX for almost ten. The other addresses are family members but NOT and should not keep needing to be corrected.

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 2018-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian refuses to re-investigate inaccurate information. A certain creditor added negative information on XX/XX/2018 to my file. This place information is in accurate and other CRA have correct it. I have supplied Experian with proof that shows the creditor is reporting false information but they refuse to correct

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 2018-03-11 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: NJ

Complaint narrative:
There's an inquiry made from XXXX 's on my credit profile which was the result of identity theft. Transunion was informed on XX/XX/2018 by XXXX  that my identity was compromised and this was inquiry was not made by me.

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 2018-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There is an account on my credit profile with Transunion are showing opening which is incorrect. 

1. XXXX XXXX Credit Card shows a balance of {$430.00} which is incorrect. This account balance is XXXX and was closed 4 years ago by me. 

Additionally, the balances on the following accounts are incorrect : 1. XXXX XXXX - balance is {$39.00} not {$630.00} 2. XXXX XXXX XXXX Credit Card - balance is 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 2018-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I tried to close my Chase savings act # XXXX in Early XX/XX/XXXX as we moved from XXXX XXXX XXXX XXXX, XXXX XXXX, IL : XXXX on XX/XX/XXXX. A change of address was filed after we moved with Chase Bank at the XXXX XXXX as well as our XXXX credit card accounts. The act had {$1000.00} in it and the rep from the bank said they could only mail me a check for less than {$1000.00} - bank policy. I instructed her to deduct {$15.00} and apply it to my chase credit card which they did. I also gave her my change of address again to XXXX XXXX XXXX, XXXX, SC XXXX. The account was officially closed on XX/XX/XXXX. I did not receive the {$990.00} from the bank by XX/XX/XXXX. They said it would take 30 days to officially close the act and send me the balance. Late XX/XX/XXXX I received a letter ( attached ) from the bank stating that they had sent my change of  address to both my old and new address as a precaution. It never came to my new address because THEIR REP wrote down XXXX XXXX XXXX, not XXXX XXXX XXXX. All the rest of my Chase address changes had gone thru so I said I don't understand why the savings act hadn't. They said they would have to do a review or I could go to a Chase branch and file all this info and get my money there. The are no Chase Banks in this part of SC so when I told them that they said it would go under review and would take another 30 days until my money was returned. It's now been over 60 days and I still have no money. Their bank policies are illegal - it is my money and if I were in XXXX I could have walked into the branch, closed the act and been paid on the spot! This is gross incompetancy on their part. The account has been closed since XX/XX/XXXX but I can't get my $ $ due to another bank policy which says it has to be reviewed AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: GA

Complaint narrative:
XXXX XXXX. has refused to validate the debt that they have stated that I owe. I deny that this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge this debt was ... established without my knowledge and I have no contractual agreement with XXXX XXXX. The lack of validation of any debt owed to them is in violation of 15 USC 1692 Sec.809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). Furthermore, XXXX XXXX. is practicing UNJUST ENRICHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-11 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:
In writing and via phone I have contacted all the bureaus to remove incorrect information from my credit report. I sent in certified mail to track this information and process. Nothing has happened or taken place on my accounts.

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 2018-03-11 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:
In writing and via phone I have contacted all the bureaus to remove incorrect information from my credit report. I sent in certified mail to track this information and process. Nothing has happened or taken place on my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11 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: FL

Complaint narrative:
My wife and I both have " excellent '' credit ratings with all three credit reporting companies. However, both of our Experian credit reports include the following new inquiry : XXXX XX/XX/2018 Collection Reseller XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX We have never had any accounts, business or contact with " XXXX  '' that would permit them to legally seek access to our credit history, and we have not authorized any credit inquiry by them. I recognize what a " Collection Reseller '' is, and we have no delinquent accounts, nor any accounts in collection. 
I attempted to file a online dispute with Experian, but their online dispute process has responded " temporarily unavailable '' during multiple attempts per day over four consecutive days. Neither of our XXXX or XXXX   credit reports reflect this inquiry, so I am unable to file a fraud alert with either of those credit reporting companies. 
I attempted several times over the past week to phone XXXX at the number provided in their inquiry ( above ) and the phone quickly went dead without being answered, until I was finally able to leave a voicemail message today ( Sunday ). 
This inquiry is a fraudulent post of false negative account information that damages our credit standings. Additionally, it was used to obtain illegal access to our my credit files. We are concerned that this unauthorized access will lead to identity fraud.

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