vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-18 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of fraud & identity theft. I contacted Equifax and XXXX TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
CASE # XXXX This is a relatively small amount of money but it's the principle of the thing they stop serving breakfast they didn't have what we wanted it's not my fault if you would have pushed them to respond which I know you haven't then they would agree that during the time that I was checking out is when they stop serving breakfast which means that I paid for something I never caught but Capital One failed to do their due diligence and they're allowing this company to steal my money I didn't sign anything and there are cameras why don't you ask them for the camera footage will see I don't have anything whenever I'm leaving I never got any food why don't you ask them for this proof that's because Capital One doesn't want to do the work to support their card members and one last thing there's no receipt because I didn't buy anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has on my credit under inquiries of companies I never applied for credit or requested credit nor sign my name for consent to run or obtain my credit. 
Report # XXXX XXXXXX/XX/XXXX on page 14 of 18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied at any of these companies nor have I sign or given consent to run my credit. Every one of these Inquiries need to be removed by Experian and Experian needs to provide from each one listed my signature and application showing my name signature and information for obtaining or running my credit for any or such purchases an application needs to be provided as proof.

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 2018-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
This complaint is against Coinbase.com.

I registered with Coinbase that is regulated as a MSB by XXXX. As part of my registration I was fully verified and provided detailed KYC documents as required. I linked my XXXX XXXX account to this coinbase account. All of my transactions on this platform were buy transactions using verified source of funds from my XXXX XXXX account. Unfortunately crypto currency has a lot of scam and phishing attacks. I fell victim to one such scam/phishing attack that should have been easily prevented by Coinbase. This is the only ONE time ever I initiated a Send transaction and Coinbase system failed to check that the site I was sending was a bad site and should have been in their blacklist. It seems after many customers fell victim should have easily identified and blocked these transactions. Instead, Coinbase decided any weeks later shut down accounts of good and well KYC customers. They forced good customers like me, that they did not protect, to have to extract our balance into other digital wallets. Since I did ONE send transaction their risk and compliance engine should have detected that the receiving site was malicious. They are severely failing in basic risk and compliance verification and rather hurting their well kyc customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am a victim of fraud & identity theft. I contacted XXXX and XXXX  TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : Capital One # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what Capital One says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded stress/XXXX. I paid the Capital One account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a XXXX balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I am a victim of fraud & identity theft. I contacted XXXX  and Experian TWICE. They refuse to remove fraudulent account/ activity on my credit report. They keep doing investigations but never remove it. Accounts : XXXX XXXXXXXX # XXXX I have mailed, faxed, and called repeatedly about my account that resulted in a charge off due to fraudulent charges on my credit report. I've uploaded and sent my identity theft affidavit, identity theft report from the FTC, and a police report. This is my second complaint in regards to this issue. They just keep investigating and then it remains based off of what XXXX XXXX says but no where do they offer proof that this account was not fraudulently used. It was my account but had unauthorized charges that unfortunately I did not become aware of until the charge off appeared on my credit report. This is causing me much unneeded XXXX. I paid the XXXX XXXX account in full anyways because I needed an immediate credit score boost. Not because it was indeed my debt. Last I used my account I had a zero balance.

Please help me get this resolved. For Identification purposes the last 4 of my SSN : 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 2018-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My mortgage is with TD Bank since XX/XX/XXXX. I make mortgage payment s on time ; never late on a payment. The mortgage payment is $ XXXX/ month due as of the first of the month. I make a monthly payment of {$2200.00}. On XX/XX/XXXX ( business day of XX/XX/XXXX ), I went to TD bank branch located in XXXX XXXX XXXX XXXX, NJ, to make the mortgage payment due on XX/XX/XXXX. I told the teller that I need to pay my mortgage. Because TD Bank does not have a mortgage payment slip, I do have to complete one. The teller completed the transaction and gave me receipts which I can provide to you. I left the branch expecting everything is ok since I never had any issues paying mortgage in branches before. On XX/XX/XXXX, I went online to check my accounts and I noticed too much money in my overdraft protection account. I found out that the bank teller deposited the {$2200.00} in my overdraft protection account instead of the mortgage which surplused my overdraft protection account and made me late on the mortgage payment. I called the branch and spoke to a customer service representative who said she will contact the back office. I did follow up with the branch manager who assured me that she will take care of the issue and the mortgage payment will be posted to my mortgage account as of XX/XX/XXXX. On XX/XX/XXXX, the bank debited the {$2200.00} from the overdraft protection to credit my mortgage account. However the mortgage payment was posted XX/XX/XXXX instead of XX/XX/XXXX. I spoke with the branch customer service again to correct this error as I made the payment on XX/XX/XXXXand should be posted on that day. She said that I should not be upset about it because I get two weeks grace period anyway! I wasn't happy with her response and I asked to speak with her manager again. The branch manager claimed that she sent an email to the mortgage department to get this fixed. As of today, the mortgage is not posted on the date I made the payment and the branch manager is not getting back to me. I tried to contact the district manager, however, a branch employee refused to give me his/ her contact information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
Capital One # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian report number # XXXX dated XX/XX/2018 I have tried numerous time reaching Experian as they make it VERY VERY difficult to reach to start a dispute. They are WRONGFULLY reporting items that I have no knowledge of on my report, in addition when I finally get in touch with some, either online or on the phone, their system could not allow me to dispute.  Experian has had hurt my credit rating and negative affected my credit history and ability that jeopardized my family for their wrong doing. 

On that file, i NEED the following to be removed as they are wrongfully listed XXXXXXXX XXXX XXXX COR # XXXX XXXX XXXX XXXXt COR # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2018-05-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: MA

Complaint narrative:
I requested XXXX on XX/XX/2017 and I have been paying XXXX every two weeks since then. they are over charging me on interest and fees. percentage rate of interest is 693.49 %. I have paid a total of XXXX so far

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18 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: AZ

Complaint narrative:
I am a victim of identity theft. The following credit inquiries listed on my Experian credit report are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX,  XXXXXXXX XXXX XXXXXXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX, XX/XX/XXXX,  XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX XXXXXXXX XXXX, XX/XX/XXXX. I filed a police report with the XXXX County Sheriffs Office in regards to the fraudulent inquiries listed on my Experian credit report. The police report case number 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 non-monetary relief
Consumer complaint received 2018-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened this card with Citi bank XXXX XXXX, from the beginning has been nothing but problems. Initially I received a card. And was told they had put a block on my account because they could not verify who I was. I then was asked to go into a store with my I'd and social and they then could verify me which that for whatever reason was incorrect I then was told they had to text a phone that they could reach me on of someone living in my household to verify me I have done this multiple times with problems to noavail I then was told they would send me a letter, then I was told I didn't need the letter then I did need it. However have never received it.i asked to add an authorized user to my account big mistake because they shut my card off and reported it stolen. Then sent me new cards which so I was told by them were returned to them. So they shut those off and reported lost or stolen and sent me a new one. I have yet to received it. All of this has been going on since like XX/XX/XXXX and this is XX/XX/XXXX. In the process they have had my account on hold where I can't make payment online or over the phone without this letter that I've never received. So I have not been able to use the original card due to them since I got it, I haven't been able to make a payment because of the hold for this letter to verify who I am yet I have given them everything including my right arm and none of it is good enuff they want this letter that I don't have along with cards I don't have. I've asked to close the account and was told I can not with out this so called non existent letter, I've asked to have the authorized user removed because he is XXXX it's effecting his credit score I was told no they can't until I receive this letter. They reduced my credit limit without my permission or knowledge. Which initially the limit was XXXX and we spent XXXX on the card which was reasonable to keep it reporting good to the bureaus. They now have reported it as late payments yet I can't pay it cause they are idiots and have the account blocked and on hold and then they're going to report it against me that makes sense. Then on top of it they changed my limit to XXXXand are reporting it to the credit bureaus as 98percent usage on the card again their fault not mine. So your list to choose from shows multiple issues with this company and I'm about to get an attorney and sue them for all the headache this whole thing has caused 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 2018-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
First, I have since my drivers license and my Social Security card to each credit bureau. There is a name on my credit report by the name of XXXX XXXX that should be delete it I have no association with that name. I have verified who I am what account should be deleted but the police report that was submitted to each credit bureau. However, My credit report still shows that I have delinquent or miss payment accounts. I know that this is XXXXXXXX XXXX activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those accounts. The only accounts I should have open or from my credit report still shows that I have delinquent or missed payment accounts. I know that this is torture night activity because I have submitted the police report and my drivers license and my Social Security number to confirm that I have no dealings opening up those fraudulent accounts. I wish to have removed from my credit report that I have serious delinquent accounts and missed payments. The only open accounts are my student loans, one credit card Thats 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 2018-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
In XX/XX/XXXX my grandfather took out a loan to pay for my education at XXXX XXXX XXXX XXXX. I did not sign any loan documents. In XX/XX/XXXXmy grandfather passed away. I supplied Sallie Mae with a death certificate. I began getting multiple calls daily even after speaking with a rep. They constantly harass me to pay a loan I did not take out. They claim my name is on the debt, but have not provided me with proof. They told me I could not get federal aid unless I paid on this loan. I began making payments so I could continue receiving federal aid. When I found out this was a lie, I stopped paying on this loan. They apparently rewrote the loan in my own name without my permission or signature. In XX/XX/XXXXthey began calling me multiple times each day rarely leaving a message with what appears to be their intent to annoy/harass me. I have had to block several of their numbers. They then threatened me with a lawsuit several times. After those threats they sent me a letter that they would forgive a part of the debt and send me a XXXX XXXX. I never signed this form, but they reduced the debt anyway. They contacted me at my place of employment. After advising to never call me on that number again she continued to harass me. I tried to log in to their website, but my user name no longer matches my SSN or birthday. I have been deceived and lied to by Sallie Mae, now Navient, and continue to be harassed about a loan I never took out. They have ruined my credit for a loan that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Corporation of America
State: OH

Complaint narrative:
They keep calling. If I answer somebody talks sometimes but sometimes they just hang up. If my answering machine picks up there is never a message. Calls early before XXXX after XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX refuses to remove account off credit report even after I've sent police report and identity theft affidavit and other documents including a letter. I explained to them that the account is mine but I'm not responsible for the charges that resulted in a charge off. They were unauthorized charges. They responded telling me they found no fraud and they won't remove it. I called to find out why it is they feel it wasn't fraud when I know it is and the investigator never called me back. This account must be removed. 
XXXX XXXXXXXX # XXXX account Yes I did pay it in full. I paid it only to get an immediate boost in my score. Then I began working on its removal. Keep the money just remove it please. It's interfering with me being able to get a car. The charges that resulted in the charge off were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18 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:
I have sent multiple requests to Equifax requesting proper validation of a damaging unknown collections account in the amount of {$75.00} listed on my credit report. I have repeatedly told Equifax that this debt is not valid and does not belong to me. Equifax has blatantly ignored these requests and has repeated stated that the debt is valid without providing me any proof. The account on my report keeps coming back as verified but I as the consumer have not been provided with one shred of validation or verification documents which I specifically requested in said correspondence. Under the FCRA, I as the consumer am legally entitled to view the documents used in this investigation. I demand proper validation documents of said accounts on my report, to include but not limited to my PHYSICAL signature on a PHYSICAL contract. If the requested documents can not be provided then under the FCRA I demand said account be removed from my credit reports. Thank you for your advanced cooperation.

Company response to consumer: Closed with explanation