vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. CBNA # XXXX If account can't be VALIDATED it must be removed

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 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX is saying the opened date is 5 years later then it is also reporting I owe more then XXXX origanilly sent me letters to pay also XXXX  can not verify this debt is owed after bankrupcy 10 years ago i feel they have purchased a debt that should have been discharged in bankruptcy but purchased debt never verified debt and now reporting it is a new debt owed I have no debt from this company or any affliated company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
In XXXX of 2014 went to the ER thinking I was going to lose my XXXX. I gave XXXX XXXX all my information including my mailing address, and insurance cards. The hospital clerk took my IDS and information and said I had no copay. I signed my patient paperwork and went to the back. Two years later I decided to check my credit score and saw this company XXXX XXXX XXXX on my credit score. I have no idea who these people are. And I need help with this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/ 2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX Auto Finance. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX  Manager ), apologized for this beahvior and the best I know 4 inquiries were removed, but XXXX XXXX, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from Equifax and any other credit companies they may appear with.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2017 I sent out a certified letter to Experian which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. Experian sent me a reply by email on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.

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 2018-01-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XXXX and XXXX Hard Inquiries were made to 2 of my credit reports without my authorization or knowledge. I opened a dispute about these inquiries on XXXX, and the dispute was closed with Capital One stating they were " unable to find any inquiries that match the information you provided. '' In the letter I received from Capital One is an address that I've never lived at, or even recognize, so I'm quite sure they have me mixed up with someone with the same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Please find the payoff statement reflecting the recording charges listed in the payoff ( recording fees ). We received the original unrecorded documents and see that the lender is keeping these fees and sent out the documents to be recorded with the recording fees expected to be paid again by the seller. 

This appears to be they are overcharging and may be happening to a significant degree. 

We hope to find some resolution to this over charge and why did they keep the recording fees if they did not intend to record the documents removing the lien. 

Thank you, XXXX XXXX-Owner XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I requested a copy of a fraudulent application that was submitted to American Express in my name and using my social security security number on two different occasions. They responded by requesting a police report, affidavit and a photo copy of my state id. I returned the requested documents. However they wrote me back saying the exact thing they said before that they could not send me a copy of the application without a police report. Which I have already sent in by certified mail. 
This company is refusing to send me the requested application. And also the hard inquiry is still appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XXXX or XX/XX/XXXX. The credit reports from XXXX and Equifax indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, Equifax has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bernhardt and Strawser, P.A.
State: NC

Complaint narrative:
I received a summons from Bernhardt and Strawser , P.A . delivered by XXXX county sheriff XXXX XXXXXXXX, notifying me that they represented XXXX XXXX. To the best of my knowledge, I had opened a credit card account with XXXX XXXX XXXX on XX/XX/XXXX. I closed this account on XX/XX/XXXX. Upon researching my credit report, I found an update on this account, which shows {$0.00} balance and the account ( s ) with XXXX in good standing. 
Bernhardt and Strawser , P.A . alleged that I owed them approximately {$4900.00} from a XXXX credit card. I never received any proof that I had an account with Bernhardt and Strawser as a consumer to repay a debt, nor any information of how they arrived at this number. Nevertheless, I contacted them several times to try and work out a settlement, which they agreed to a lower settlement. Then I eventually received a writ of execution by the same sheriff notifying me that I owed Bernhardt and Strawser , P.A . a total of {$6400.00}. They levied both my business and personal bank accounts and I had to fill out an exemption form for the court. After doing some research, it appears that Bernhardt and Strawser , P.A . may have illegally obtained my information and even if there were debt that was originally owed to XXXX XXXX, it has long since passed the statute of liability in the state of North Carolina.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
Hi, I sent a domestic wire of {$7500.00} to Coinbase on XX/XX/XXXX. I have yet to receive the funds, nor have I received any estimate on when my funds would be available. Coinbase 's bank, XXXX XXXX, has confirmed receipt of my {$7500.00} on XX/XX/XXXX. I've called four times, opened four support tickets, and I've gotten the same " in 5-7 business days '' response since Day 3. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
I wired {$2000.00} on XX/XX/2018 to be deposited into my Coinbase account, but no funds ever showed up in my account. I have confirmed with the receiving bank that they credited Coinbase with my funds. I have emailed Coinbase multiple times in an attempt to resolve this issue, but they have never responded, and the funds have been unaccounted for for over 3 weeks at the point in time. I have asked the receiving bank to reverse the funds, but they have been unable to reach Coinbase for approval. I have also tied to reach Coinbase by telephone, but I only get a recorded message to contact them through XXXX, which is where I have been sending my previous messages. It seems to be effectively impossible to contact Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: UT

Complaint narrative:
I had XXXX XXXX, and terminated the service. I returned their equipment, and then got a statement from their company regarding the final bill. After the last was paid on XX/XX/XXXX in the amount of {$210.00} for the upcoming month I quickly cancelled and paid the last bill, I got a bill from XXXX in late XXXX that indicated I had a credit balance of {$180.00}. This was the last statement I had received. On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX ( Phone Number ( XXXX ) XXXX that my XXXX account # I had been sent to collections in the amount of {$29.00}. Never was I informed by XXXX that there was an amount due. The last notice I had indicated I had a credit balance of {$180.00}. I was told by XXXX XXXX XXXX that they were a debt collection agency. In protection of my credit, I formally asked them to provide me copies of my credit report, and also told them I feel they are in violation of the Fair Credit Reporting Act. To protect my credit, I reluctantly paid them the {$29.00}, even though after I contacted XXXX, and they admitted I shouldn't have owed anything! This is a XXXX scam, and they are collecting debts without justification

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I submitted the {$2.00} or {$3.00} required by the XXXX XXXX online and have a printed receipt from last XX/XX/XXXX or XX/XX/XXXX. The credit reports from Experian and XXXX indicate I am on the opt out list until the end of XX/XX/XXXX. I sent a letter with proof of payment above and copies of the opt out prescreen and XXXX XXXX letters and I don't want any marketing or use of my reports for anymore junk mail from the credit bureaus. They need to update my legal request and I should not have to prove to them again of my opt out prescreen choices or XXXX XXXX that I paid to have my name removed for 10 years! Please follow up with them for everyone who pays to stop junk mail. Thank you! 

2. After all these years, XXXX has my wrong birthdate year. I sent them proof last month, clearly stated on driver 's license and they list it wrong. I am sending proof again XX/XX/XXXX. Fix this immediately please!

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 2018-01-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
OnXX/XX/XXXX I sent out a certified letter to XXXX   XXXX which was received by them on XX/XX/ regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. XXXX XXXXXXXX sent me a report bt mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position. They even have the spelling of my middle name wrong.

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 2018-01-29 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: TX

Complaint narrative:
I have tried to get an increase for a credit limit with Capital One Credit Card. I applied and was denied due as they claim that I had too many inquiries with XXXX. I had checked my credit reports with XXXX and XXXX since I know these are the two agencies that Capital One uses. Therefore, when I got this letter back stating this fact I immediately call XXXX to inquire about this information that I had just got back from Capital One stating that I had too many inquiries on my report. The XXXX CSR stated that they did not see any inquiries at the time on my report to state what Capital One had sent me. I then called Capital One back they gave me the runaround and even asked for a copy of that XXXX  report they refused to send me anything. But of course, this was upsetting because now as a consumer I did not know who was lying. Was it XXXX or Capital One that lying to me, but on XXXX, I could clearly see for myself there were no inquiries on my report which lead me to believe that it was Capital One who was given false information to me. Even one of the Capital One CSR ask me if my letter said XXXX, I told her no It says XXXX. True enough if they would have said due to late payments I would have been okay, but to say because there are too many inquiries is not going to get it with me. I have gone as far as seeking an attorney and they were still uncooperative them. 
I would greatly appreciate it if someone could look into this for me please and let me know as a consumer what I may need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I'm on social security and direct deposit and explained what your site say 's about about debt collectors and social security and I explained this to them every time and they keep calling. Two weeks ago they called after XXXX XXXX. And usually they call 2-3 times a week but my phone blocks unknown numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX  and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I have filed a report with the FTC in regards to this negative misleading fraudulent information that needs to be removed immediately off my credit report. 
I am not responsible for any charges made to this account. 
I would like to request copies of any documentation, such as application and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2017 I sent out a certified letter EQUIFAX which was received by them on XX/XX/2017 regarding a entry on my credit bureau from United States Bankruptcy Court District of Colorado. My letter was address both this entry and an entry by XXXX County which I already previously filed a complaint about. EQUIFAX sent me a report by mail on XX/XX/XXXX that the results of their investigation was complete. I asked that the entry be validated and copies of all and any documents with regards to this entry be sent to me. I never got a thing. The response came back well beyond the 30 days required by law. I never resided in the State of Colorado and I believe they have me confused with someone else. They still claim they verified the entry and the Court provided the verification which would be untrue. I have provided documentation to support my position.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
A Citibank XXXX card was opened in my name back in XX/XX/XXXX by a family member without my permission and was illegally used. The ending charge-off balance was over {$700.00}. I filed an ID theft complaint not long after the account had shown up negatively on my credit report and the account was removed around XX/XX/XXXX. Unknowingly the account was posted on my XXXX credit report around XX/XX/XXXX. I only found out about the negative item after I applied for a mortgage refinance. While my refinance was successful, the account caused my credit score to decrease and made my interest rate higher than it should of been. Needless to say, I was furious at the fact that Citi/XXXX would repost an account that was already deleted. This item still stands on my XXXX report and I am demanding that Citi/XXXX remove this item. The account number begins with XXXX ... .. under the name 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