vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-01 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: CT

Complaint narrative:
I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason XXXX XXXX XXXX  - XX/XX/ XXXX -XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX- XX/XX/ XXXX  XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX - XX/XX/

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 2018-02-01 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: PA

Complaint narrative:
Equifax Confirmation # XXXX XX/XX/XXXX Equifax hasXX/XX/XXXXXXXX XXXX XXXX XXXX  PA XXXX in which I have not had since XX/XX/XXXX which is wrong reporting information and not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: AR Resources, Inc.
State: FL

Complaint narrative:
After reporting AR resources to the CFPB on XX/XX/XXXX I received a response back from them stating that the account would be removed from my credit file. After speaking to a manager today,XX/XX/XXXXI was told that it will not be deleted until the debt is paid. This debt for the amount of {$650.00} and is a medical debt. I provided proof already that I had insurance at the time but they have yet to remove this debt from my report. Im confused as to why they would say that this debt will be removed from my report and then turn around and say that it will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: TX

Complaint narrative:
I contacted Equifax on XX/XX/XXXX to dispute information on my credit report. 
There are accounts on there that NEED to be validated due to my identity being stolen by a family member. On XX/XX/XXXX ( which is technically AFTER the 30 day mark ) Equifax provided me with a response stating that this accounts belong to me WITH NO INFORMATION OR EVIDENCE to SHOW that these accounts are mine. I have gotten these accounts removed from my XXXX report after they completed their 30 day research with no problem at all! The account they did verify had a XXXX balance and was paid off before it went in to collections/charge off is still showing on my credit report EVEN THOUGH THEY VERIFIED THIS INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I was surprised to receive notice of my mortgage increase for the second time in eight months. I called Ditech about the reason for the increase and was not convinced about the explanations given. Ditech failed to hear my concern and what I had to say. Our loan is a fixed interest loan with monthly Escrow ( of property tax and insurance ) included. Since there was no significant increase in our county tax or property insurance, such increase can not be justified. 

To confirm my suspicion, I exported the information from Ditech Annual Escrow Account Disclosure, the yearly evaluation of the escrow statement at my online account at Ditech.com. When I looked at the numbers from XX/XX/XXXXuntilXX/XX/XXXXin a spreadsheet, I noticed the discrepancies which prove my point about Ditechs uncalled increase. Clearly, the increase of {$45.00} on XX/XX/XXXX, and again onXX/XX/XXXX for {$42.00} can not be justified according to Ditech 's own escrow calculations. 

I emailed Ditech with my findings but did not receive any explanations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: CT

Complaint narrative:
I was denied from a lender for " too many inquiries '' on my Equifax Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Equifax Credit report that I DID NOT authorize and had no knowledge of. I contacted Equifax Immediately and was given no relief. I also have a fraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, none of these companies received any identification or authorization from ME to pull my credit for any reason : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
Portfolio Recovery Associates, LLC is not licensed or registered to operate in my state which is a violation to the laws in Wisconsin. I did not sign a contract with this company, and have been trying repeatedly to get them to remove their accounts off my credit report, to no avail. I feel harrassed/

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened my credit account in XXXX with the term that receiving XXXX bonus points after having {$50000.00} in acoount for 60 days. However, I still haven't received the bonus points today. I contacted citi 3 times ( through secured message, phone, and online chat ), and citi told me to wait at the beginning, and at the end refused to honor the term.

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 2018-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
There were a large sum of illegal purchases on my card. I called and they removed the estimated {$900.00} on my credit card. Then I had a credit on my account because I continued paying on my card to avoid anything being put on my credit. They never replaced my card after that and the charges were mysterious put on. I can not get a straight answer but the charges aren't mine and I would like the charges removed and the money I have paid credited back to my account with a new card issued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian Report # XXXX XX/XX/2018 Personal Information : Experian has all these names in which I never used for any type towards credit or Employment. Experian has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as showing 2 times Experian needs to provide me  documented proof from state ID Passport Drivers Lic showing that these names been used by me. I also want proof documented by Experian to these names link to credit or credit cards car loan or home Mortgage anything fin in those names documented. It makes no sense that Experian creates names or address or information that is not right or does not or can be confirmed.

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 2018-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vinci Law Office, LLC
State: CO

Complaint narrative:
I have two separate accounts through a debt collector Vinci Law Office LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX CO XXXX. Two different account numbers, two different contracts. I have paid close to {$1000.00} to Vinci Law Office LLC for the auto loan account which I had a monthly agreement to pay {$120.00} monthly. 

I called to settle my other account with them. A credit card amounting in {$520.00}. 

THEY ARE SEPERATE ACCOUNTS ON MY CREDIT REPORT. 

At first they stated they only had one account with me, than they indicated they linked the AUTO loan and CREDIT CARD together. 
They refused to settle my credit card payment in full of {$520.00}. 
They are Refusing my money. Denying me the right to settle just one account my credit card account. 
They also are saying I need to make a larger monthly payment for my auto loan, which was court ordered at {$120.00} a month. 
I have been trying to get ahold of the supervisor XXXX XXXX. I called multiple times, left multiple voicemails. No one will speak with me in the office. I have emailed multiple times to separate people. 
No reply. 

Emails I contacted with no response 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 non-monetary relief
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MI

Complaint narrative:
XX/XX/2017 I had {$420.00} taken from my VA XXXX comp deposited into my XXXX   XXXX checking account from XXXX XXXX. I called XXXX XXXX and was told no my SSN, Date of Birth, and other information did not match the account that charged to my debit card but since it was fraud I had to file a dispute with my bank. For many days I tried to contact XXXX XXXX XXXXo file a dispute finally after weeks of calling, being told I needed the " level 2 fraud '' department then after being transfered I woule get a message saying that they were busy and to try again later and abruptly hung up on, I finally got a hold ofsomeone and told them that I feel that should have a call back option. The rep got extremely rude and said thats just not an option, call back or don't, is there something I can help you with or not, in a rude tone. So finally I explained the situation and was told they would sebd out paperwork. I submitted the forms they sent tgat I recieved 14 days after talking to them. With my SSN and dob to show that wasnt my account because it toom so long I couldn't pay rent as my VA is rent money, we just went through an eviction and just foubd a place, then mid XX/XX/XXXX they gave a {$420.00} credit, and now today hours before my VA is to be deposited they removed {$410.00} from my account as a credit reversal, I was told the dispute is still ongoing and that they don't have a reason and don't have to give a reason as to why the credit was taken. I have a XXXX XXXX old daughter and a wife and am a XXXX. This is horrible treatment. I held up my part, tge company agrees account isnt mine, and these guys just randomly cor litterally no reason reverse a credit one day before my VA/rent money comes in? And when I ask for someone else they hung up on me. This is horrible mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I used BB & Ts online bill pay to pay my mortgage and was told after the fact that they would send a paper check. In a nutshell my mortgage company said they never received the check and I had to make my payment online directly with them but was advised to put a stop payment on the check first. I called my bank and asked the bank manager to put a stop payment on it and was informed I had to pay the {$30.00} stop payment fee. Since this was not my fault I feel I should not have to pay it. I will enclose a copy of my online transaction proving I attempted to make the payment on theXX/XX/XXXX. Since the bank issued the check they should have to waive the {$30.00} stop payment fee since I wasn't the one to lose the check - either they did or XXXX XXXX  did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I took a loan with XXXX and defaulted. National Credit Adjusters ( NCA ) called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX, their SISTER COMPANY, would also remove the marks. XXXX did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes. 

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX sells much of their bad loans to National Credit Adjusters, so I am holding them responsible for the false promises made by NCA. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have recently been a victim of fraud and have place security freezes and fraud alerts on all my credit reports. Listed below are accounts that I did not approve the following for my credit to be ran. Please review and delete this information from my Transunion credit report. I have reached out to them several time via phone, fax, and email and have not received any response. This is causing me a lot of pain and suffering. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry fromXX/XX/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 2018-02-01 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: SC

Complaint narrative:
I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

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 2018-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I wired XXXX to Coinbase through XXXX on XX/XX/XXXX. After quickly realizing that my recipient number was not included when I wired it ( no option on my online banking account with XXXX ) I filed a support ticket and called them. After being disconnected several times, I was finally connected after 2 hrs on hold. The CS rep told me that my money would be rejected by coinbase within 3-5 days and be returned to my account. I then called my bank and they said that after coinbase rejects it, it should show up after 10 business days. After 10 business days, I did not receive anything, and no one responded to my support message. I tried calling again around mid XX/XX/XXXX. This time, they said they " escalated '' my case and it would be worked on as soon as possible. It is now XX/XX/XXXX and I have not heard a single word from them. Please help me get my money back from these thieves!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Principal Group, LLC
State: NE

Complaint narrative:
This company has called me since the beginning of XX/XX/XXXX, and continually states on the phone that they are not required to prove that my husband owes the debt. They say, " you have to prove that you don't owe it. '' I have continuously asked for proof of this debt and in writing. I do not know how they got my phone number. The alleged debt is through a payday loan company, taken out with a California address online through XXXX XXXX XXXX and XXXX XXXX and was " turned over to collections in XXXX. '' This is the information they provided me. It is impossible for my husband to have taken this loan out, since he has not lived in California since XXXX. There is also no record of this on my husband 's credit report for the loan ( s ) that they are claiming. There are " two '' companies that have called me about the same " debt '' and they call themselves XXXX and XXXX XXXX XXXX. They " both '' use the same information about the alleged debt that I described above. I suspect that they are the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I have on my credit a WV state tax that was paid.. I also have the release paper from the WV state tax that it was paid.. just want to get this off my credit. 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 non-monetary relief
Consumer complaint received 2018-02-01 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: SC

Complaint narrative:
I pulled and reviewed my credit report and found that several inquiries were added to my credit report with out my knowledge or consent. I have not purchased a vehicle or tried to obtain any type of credit in the last 3 years. Anything reporting during this time is incorrectly added to my credit report. There is also a bankruptcy added to my credit report falsely.

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 2018-02-01 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: PA

Complaint narrative:
Greetings, I have initiated a multiple disputes with Experian over the past few months to remove unauthorized fraudulent accounts they have failed to fully validated belongs to me. It has been well over the 30 days given for the Experian to respond with validated proof to delete this account per the Fair Credit Reporting Act. I have provided all requested documents to Experian including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have also fail to fully validate contractually the account belongs to me. Below is the reporting account that should be Removed / Deleted from my Experian credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX XXXX XXXX- Account # : XXXX Experian Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX XXXX, TX XXXX Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, PA XXXX XXXX : XXXX DOB :XX/XX/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 2018-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
XX/XX/XXXX credit protection associations LP is trying to collect {$370.00} from me for a collection I do not owe. It is showing negative on my credit report. It has already been removed from XXXX  and XXXX  however for some reason XXXX is choosing to continue to keep this collection on 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