vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Captial One Bank USA, placed a credit inquiry on my credit report. The inquiry was made on XX/XX/XXXX. I have informed Captial One Bank USA that I have not applied for any type of credit from Captial One Bank USA. I have written several letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX explaining that I have never applied for anything with their company, to date, I have not received any response to my letters. I also called several times, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Each time I called, they took my personal information and stated that they have put in a request to have this inquiry removed from all 3 credit bureaus, as they did not have a record of an inquiry from me. They also stated that I should wait 7 day and the inquiry will be removed for all 3 credit bureaus. They also stated that I will also receive a letter that this inquiry will be removed from my credit report. I have yet to see this inquiry removed or received a letter stating that is will be removed as they agreed that it would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calvary Portfolio is frequently updating my XXXX credit report - showing date reported as most recent asXX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

XXXX XXXX  is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: AL

Complaint narrative:
This medical account should not be on my credit report This under 180 Days please Remove Off My Experian credit report due too hippa violation!!! 

This collection acct is 1 month old ....

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 2018-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a secured card several years ago with Wells Fargo for {$1000.00}. I closed the account on XX/XX/XXXX with a {$0.00} balance and they said my deposit should be returned within 30 days. I still haven't received my deposit back. I'd like the CFPB to intervene and instruct them to return my deposit that is rightfully due.

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 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both Citi Bank and XXXX XXXX XXXX have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. I have discussed this issue with representatives of both Citi and XXXX XXXX XXXX and they were not interested in my concerns. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens.

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 2018-04-14 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: OH

Complaint narrative:
I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.

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 2018-04-14 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: OH

Complaint narrative:
I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
I have already handled this through another company through the CFPB and was told that it would be removed completely from my credit report. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX XXXX XXXX. via the CFPB saying " Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed. '' They responded and sent me a fraud packet to fill out and mail off to XXXX XXXX XXXX which has not yet been responded to ; Specifically they stated " On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) contracted XXXX to collect the unpaid balance of {$1600.00} from XXXX   XXXX, XXXX, TX. According to XXXX XXXX XXXX, the account became delinquent XX/XX/XXXX. Ms. XXXX   complaint revolves around fraud. Mr. XXXX may visit XXXX XXXX XXXX to obtain XXXX XXXX XXXX fraud process. XXXX has attached XXXX XXXX XXXX fraud packet to this response. XXXX XXXX XXXX provided XXXX with billing statements which has also been attached. '' regarding the fraud packet completion as part of their response. 

I would like to have this immediately removed from my credit report as it already was ; and I was told this would not be a future issue. 

Thank you for your assistance with removing this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 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: CA

Complaint narrative:
Dear CFPB Representative, On XX/XX/XXXX I initiated a transfer to my XXXX trading accountoperated and serviced by Coinbase , Inc, in the amount of {$2000.00} There was a disclaimer that the transfer could take up to 5 business days. On XX/XX/XXXX It was confirmed that my deposit was available. I tried to access my account for three weeks with an error upon login that finally turned to " You account has been temporarily suspended ''. I contacted Coinbase for the first time on XX/XX/XXXX ( Case # XXXX ) when my account still did not allow me access. I finally got a response onXX/XX/XXXXwith an email stating " Due to increased volume it may take several days to receive a response. '' I questioned the timeline of when my account would be reviewed and a decision granted and was told " these reviews are typically completed within 4-5 business days ''. 

After being ignored I contacted coinbase again of XX/XX/XXXX and was told by the rep that " Ive just checked your account and can confirm that your request has been properly escalated. '' I emailed again on XX/XX/XXXX, with the same response. I called the company directly with a 2 hour hold and the rep told me " If I told you an estimated time when your account would be reinstated then I would be lying '' I decided to wait a few more weeks. OnXX/XX/XXXX I need the funds for an emergency and contacted them that I will file a CFPB report if I my funds were not transferred back, and that I don't even want to patronize their platform any longer. I opened a new case as well ( Case # XXXX ) and revised the exact same response " Ive just checked your account and can confirm that your request has been properly escalated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my Equifax, XXXX and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my Equifax, XXXX, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2018 my debit card was stolen along with my wallet and phone. My card got fraudulently charged around {$5000.00}. I provided the company with all the documented proof showing them the charges were not of my doing. They left my account negative {$4700.00} and some change. This was all due to identity theft, someone used my cards after they had stolen everything from me! I am still negative in my checking account and its ruining the chances of my purchasing a home because of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-14 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: ERC
State: TX

Complaint narrative:
XXXX XXXX is frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX. I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

Enhanced Recovery is also frequently updating my XXXX credit report - showing date reported as most recent as XX/XX/XXXX. According to XXXX this account in question was first reported as a collection account in XX/XX/XXXX-XX/XX/XXXX. Same as above I was alerted by a lender that I had recent collection accounts and determined this was part of the reason. This also cost me a lower credit limit, denied credit and limit increase and a denied auto loan. 

I disputed this and they responded the information was accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: OH

Complaint narrative:
I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Russell Collection Agency, Inc
State: MI

Complaint narrative:
Hello, I am reaching out for help because recently I sent out letters via certified mail to XXXX Collection located in XXXX Michigan to let them know that theyre in violation of my HIPPA rights. They received my letter XX/XX/XXXX and I received a response in the mail XX/XX/XXXX of statements claiming that I owe {$90.00} and {$140.00}. 
On both statements they include services received which was XX/XX/XXXX XXXX  XXXX XXXX And XX/XX/XXXX XXXX XXXX XXXX complete. 
Within my letter I asked that they provide a copy of my signature with the provider of service to release my medical information to them, XXXX collection failed to do so. 
I also asked them to cease any credit bureau reporting until the debt has been validated by me, which they have also failed to do. 
My privacy was violated in which I am protected by HIPPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Can't open Chase bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MI

Complaint narrative:
Coinbase somehow lost my money and locked my acct Then my acct that have been linked were unauthorized charges and money in my Coinbase acts started being sent out with out my approval Then locking my acct and charging me fees and not getting back to me or letting me withdraw my money

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: MI

Complaint narrative:
I have recently reviewed a copy of my credit report. I am concerned because there was an inquirys by companys that I do NOT recall authorizing. 
It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score. Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. I have told transunion in they did not help me at all CC : Federal Trade Commission, Office of the Attorney General, Consumer Alliance for Fair Credit Reporting, Department of Banking and Finance, Office of Thrift Supervision, Better Business

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 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, XXXX and Transunion report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, XXXX, and Transunion reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit 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 explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an account that appeared on my credit last year from XXXX XXXX on behalf of original creditor XXXX College and it was deleted off of my XXXX, Experian and XXXX report by XXXX the dispute date was XX/XX/2017. Some how it has been reinserted this month on my XXXX, Experian, and XXXX reports by a new collection agency going by the name of XXXX XXXX XXXX XXXX. I was not notified in writing or phone call about this debt nor does this account belong to me as I have placed a fraud alert on my credit files due to breach. It was previously removed from not being my debt and it was resold to another collection agency. I want this account removed back off of my credit reports immediately this is a violation of the FCRA by reinserting a deleted account back on my credit 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 explanation
Consumer complaint received 2018-04-14 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: TX

Complaint narrative:
Transuion credit reporting drop my credit score while I had no collections or negative items on my account. Transuion and XXXX said because I paid off my full XXXX XXXX account I lost my good credit score. But Days later I opened the same account again with a new balance.

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 2018-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
I have requested on five different occasions through various forms of communication to try and have some place called XXXX XXXX   verify and validate a debt which is being reported as in collections which I discovered after reviewing my credit bureau reports. I dont understand how a business can claim a debt is mine and then destroy my credit history without contacting me first. I have tried calling and they tell me they can not verify me. I do not believe this debt of {$4000.00} which is showed by the CRAs is a legitimate debt of mine. They can not even verify who I am when I call because they tell me that the information the have doesnt match. I have written a letter requesting debt validation and asked how they verified the debt was mine and I never received a response. I have disputed through the credit bureaus that the debt is not verifiable and they tell me that it is verified and will not tell me how they figured out that is is a verified debt. This is fraudulent. There should be a criminal investigation done. I will continue to report this fraudulent attempt to collect money from me until it is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CL Holdings LLC
State: CA

Complaint narrative:
This was account has already been disputed with XXXX XXXX XXXX XXXX once before, and they refuse to correct their records. XXXX XXXX XXXX XXXX is alleging that I had an account with XXXX XXXX & that it became delinquent on XX/XX/2016. That is factually incorrect. XXXX XXXX is " re-aging '' this account to show that its more recent than it actually is, which allows them to continue to report it. I have asked them to provide proof that this account was indeed delinquent on the dates they claim.. I have asked them to return a copy of the final XXXX XXXX billing statement, and they refuse to do so. The negative mark is showing up on several credit bureau 's reports as well as with XXXX XXXX. I have perfect credit except for this negative mark and I want the CFPB to cite XXXX XXXX XXXX XXXX for their illegal practices and behaviors. This is a clear violation of the Fair Credit Reporting Act & /or Fair Debt Practices Act.

Company response to consumer: Closed with non-monetary relief