vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
this loan has been paid off. I paid the account right away and now found out that the account appears as a pid collection on my credit report. This account was not even being reported to the credit bureaus when I was paying on time. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valley Credit Service, Inc. (OR)
State: OR

Complaint narrative:
I received a garnishment at my place of employment. 
I contacted XXXX XXXX XXXX located in XXXX Oregon on XX/XX/2019 and inquired about this garnishment and wanting to know who it was for, dates of service etc. All she could tell me was that it was for XXXX XXXX XXXX for the amount of {$800.00} for my daughter and that it was old and then she hung up. 
I then contacted XXXX XXXX XXXX and gave them me and my daughters name and social security numbers. They could not find any debt under any name or social security. So they advised me to contact XXXX XXXX. 
I then contacted XXXX XXXX and gave them all the same information as I did the previous phone call. They could not find any outstanding debts that where owed. 
I have not lived in XXXX Oregon for 15 years and have remarried. 
No one can give me a date of service, a dr 's name, a location, or what the visit was for. 
My children have never been without insurance. I have never had an outstanding debt for medical. 
This is an invalid debt and I do not owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
XX/XX/XXXX - Loss of employment, equivalent to 51 % of family income, starts a spiral from a previously remarkable rebound from prior financial hardship. Savings along with severance pay allowed for XXXX XXXX and XXXX XXXX mortgage to be made. 

XX/XX/XXXX - Miss first payment from current hardship. Sought employment during holiday season. 

XX/XX/XXXX - Contacted Ocwen Mortgage Servicing to request modification of our existing loan. 

XX/XX/XXXX - XX/XX/XXXX - Negotiated, communicated, discussed with XXXX Relationship Manager documents needed. options to foreclosure, requested assistance due to financial hardship, and future options. 

XX/XX/XXXX - Notified by Ocwen that loan will b transferred to PHH Mortgage effective XX/XX/XXXX. Asked what that may do to our situation. Was told by Ocwen rep that was up to PHH. 

XX/XX/XXXX - Sought assistance from XXXX XXXX XXXX XXXX to discuss options with new lender, PHH Mortgage Services regarding modifications and additional options to save home. 

XX/XX/XXXX - Offered partial, or current payments to PHH and negotiate to past due amounts. Awaiting decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Hi, and please investigate this. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2019-07-30 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 recently received my Experian credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : XXXX   with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX with an inquiry date of XX/XX/XXXX, XXXX   with an inquiry date of XXXX XXXX, XXXX and XXXX with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. 

Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.

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 2019-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2016 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2019-07-30 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: NC

Complaint narrative:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Equifax did not provide evidence. CFPB step up and delete XXXX   XXXX XXXX, XXXX XXXX, ( Original Creditor : ) XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My name is XXXX XXXX I am a customer with XXXX XXXX XXXX. I have a Chase Bank on file with XXXXXXXX XXXX XXXX, an issue had happened for a transaction of {$770.00} from XX/XX/2019. It was returned back to Chase bank from XXXX XXXX XXXX, I have called the Merchant to return back the money to my checking account with chase bank. The Merchant had told me that they returned back the money to my bank account but still, I had ended up the negative balance with XXXX XXXX XXXX. I have called my bank to pay XXXX the money again and they have told me we sent the money back to the merchant which is XXXX XXXX XXXX XXXX  XXXX XXXX that XXXX XXXX XXXX deals with. After speaking with the bank to return the money back to the merchant XXXXXXXX XXXX XXXX and they had told me that it would take up to 45 business days for your merchant to receive this amount of {$770.00}. Until now its about four months this issue is going on and until this day I do not know where is my money at this point on. The merchant didnt receive any money until now from my bank chase and I have spoken to my bank so many times for almost four months. The bank had said to me we sent the money already and we have nothing to do with this matter anymore. The merchant until this day did not receive their money that I had paid from my Checking account with chase bank. So please I would like for some help to know where my money {$770.00} went at this point. As of now, I am in so many problems being negative and in collections with the merchant, because I dont know where My bank sent the money as of today. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am reporting a few things. I found numerous fraudulent transactions by either a fake company or companies that was able to obtain my routing number and account number from Chase and be able to run {$20.00} ACH transactions. 

I was only able to pull 24 months of reporting from today XX/XX/XXXX and found weekly deductions of {$20.00}. 

I was able to research from XX/XX/XXXX - XX/XX/XXXX and found eight companies charging me as follow : 1 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX WEB ID : XXXX ( 11 transactions, {$20.00} each, total {$220.00} ) 2 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 3 transactions, {$20.00} each, total {$60.00} ) 3 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 3 transactions, {$20.00} each, total {$60.00} ) 4 ) XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 1 transaction, {$20.00} each, total {$20.00} ) 5 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX WEB ID : XXXX ( 2 transactions, {$20.00} each, total {$40.00} ) 6 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX WEB ID : XXXX ( 5 transactions, {$20.00}, total {$100.00} ) 7 ) XX/XX/XXXX - XX/XX/XXXX : XXXX  PAYMENT PPD ID : XXXX ( 2 transactions, {$20.00} each, total {$40.00} ) 8 ) XX/XX/XXXX - XX/XX/XXXX : XXXX XXXX XXXX XXXX WEB ID : XXXX ( 15 transactions, {$20.00} each, {$300.00} ) That's {$840.00} stolen from in the past 2 years and it could be more going back further if I could go back further. 

I was only able to dispute {$200.00} the charges to Chase due to their 60 days window policy to be able to return fraudulent activities. 

I am terribly disappointed in myself and disturbed Chase was not able to identify this as fraudulent activities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently received my XXXX credit report # XXXX dated XX/XX/XXXX and it shows the following hard inquires : JBMCB   with an inquiry date of XX/XX/XXXX, JBMCB with an inquiry date of XX/XX/XXXX, JBMCB with an inquiry date of XX/XX/XXXX, JBMCB   with an inquiry date of XX/XX/XXXX and JBMCB with an inquiry date of XX/XX/XXXX. 

I do not recall giving authorization for these inquiries. I also do not have any open or current accounts associated with these inquiries. Please delete these inquiries immediately from my credit report. 

Conversely, if you do have documented proof with my signature of authorization of these inquiries please sent me a copy of such within 14 days. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX   XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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 have applied more than 5 times to have my credit card limit increased through Capital One. I have had the card for 11 and a half years now, and the limit is only at {$2100.00}. This limit has not changed for years, no matter the amount of utilization. 

My wife and I make over $ 200k combined, and I have received significantly larger limit increases from other banks in the last six months ( XXXX, XXXX, XXXX, etc. ) As a result of my longevity, credit score, payment history and income, I am formerly filing this compliant to get Capital One to give me the credit limit increase that is warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I know I don't deserve this erroneous information credit bureuas are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how they fix my credit report, very slow! It is beyond the 30 day allowed by the FCRA but they haven't fix it yet. The accounts don't reflect their true accurate status.. The accounts were paid as agreed on time. CFPB step up and fix XXXX   XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NC

Complaint narrative:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Credit Bureaus violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX   XXXX, XXXX/XXXX XXXX, XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. I HAVE SUBMITTED THE PROPER DOCUMENTS TO HAVE THE UNAUTHORIZED INQUIRIES BLOCKED FROM MY CONSUMER 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 2019-07-30 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.
State: NY

Complaint narrative:
I have an active account on Coinbase Pro online exchange platform. On XX/XX/2019 and unauthorized user gained access somehow to my account and transferred all digital assets to unknown addresses. The USD value of my account was {$2600.00} of which I transferred directly by ACH from my bank account. 

The assets were digital currencies : BTC & LTC in which I had two open limit orders. The unauthorized user closed my open trades and withdrew the digital coins to two unknown addresses. The transactions are as follows : BTC : XX/XX/2019 - XXXX XXXX XXXX   BTC  : XXXX USD VALUE : {$2000.00} Destination Address : XXXX Transaction Hash : XXXX LTC : XX/XX/2019 - XXXX XXXX XXXX LTC : XXXX USD VALUE : {$380.00} Destination Address : XXXX Transaction Hash : XXXX I have contacted Coinbase support but have not received any response. My account had all security protocols in place at the time. 2FA and white listed withdrawal addresses. I do not know how this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NC

Complaint narrative:
I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! Why do all three credit bureaus have different account balances..Credit Bureaus violated federal law by not properly investigating within the required time frame, CFPB fix the accounts XXXX XXXX XXXX, XXXX   XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Transunion did not provide evidence. CFPB step up and delete XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: NC

Complaint narrative:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, Experian did not provide evidence. CFPB step up and delet XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MN

Complaint narrative:
i dont have a account yet will set one up but i have a home that a quite title is filed on and my father passed leaving me the home and clear of any payments due he has passed away and the lending insurance claims that they are a bank and that they lent him money that he owed a debt of equity when its on irs and tax acessor file that he only owes tax on the home so i will be setting a tort claim to all cloud or claimers to home for tresspassing on private land i ask for themas  a bank who dose not lend money but credit so where is the monehy coming from if he did not produce it but the promise to pay has paid everyone twice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
{$1800.00} was charged to my debit card and approved by HSBC through 3 transactions between XX/XX/2019 and XX/XX/2019. Other fraud was found between that time but declined and card was never blocked and I was not notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has leaked my information out as well as thousands of others just like me. I have a very special need for privacy with my financial information. I am disappointed by this act of complete carelessness with respect to the responsibility of my sensitive information. I am receiving all kinds of notices from my identity monitoring service since the news broke about this breach of data my information is appearing all over the dark web. I am requesting that Capital One contact my attorney right away to discuss a resolution to this matter as I am now represented. Do not call me communicate in writing only. I also have ACTUAL damages.

Company response to consumer: Closed with explanation