vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-25 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: GA

Complaint narrative:
XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. This inquiry is also over 24 months old, which is a violation of the FCRA to continue to post to my credit report. Please help me to get this business to delete the inacurrate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have fallen past due on my credit card a couple of months. I have been paying but not the full amount. I am only behind 1 month now and only for {$240.00}. Not a substantial amount but still behind. I have been receiving calls and voicemails daily, literally daily and that includes weekends. Have made payments to prevent myself from falling multiple months behind but I still get calls every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Today, XX/XX/18 around XXXX XXXX I called Paypal credit to inquire about a late charge on my XX/XX/XXXX statement of {$38.00}. A payment of XXXX was due by XX/XX/18. I routinely pay {$60.00} every two weeks for a total of {$120.00} per month. I paid 120 for my XX/XX/XXXX statement when {$100.00} was due and was still charged a late fee of {$38.00}. The initial clerk could not explain why this happened and forwarded me to a supervisor named XXXX ( no sure of the exact spelling. ) She refused to remove the charge and would not listen to what I had to say. I am happy to provide you with a copy of the statement. 
Thank- you XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CORELOGIC INC
State: GA

Complaint narrative:
Corelogic Credco did not have my authorization to pull my credit report. The inquiry made by Corelogic Credco on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

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 2018-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX, SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX MEDICAL PAYMENT DATA Dear XXXX   XXXX  XXXX XXXX XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX AND XXXX  ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX DEBT IS NOT MINE, SIMILAR NAME TO MINE WRONG REPORTING.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC
State: VA

Complaint narrative:
Between the years of XX/XX/XXXXand XX/XX/XXXX I was going to two different XXXX colleges at the time I was going it was XXXX college, my understanding the school I was going to shut down due it was a nation wide shut down. Recently I have called the department of education who informed me I needed to called my loan officer which is action Financial Services which I did and they informed me that my taxes wouldnt get taken because my information wasnt sent to collections, she was u able to pull my account up by my social, and she also reiterated that being that I dont have an account with the collection agency that my taxes wouldnt be taken. I also never received a letter 65 days prior to stating that they would take my tax refund as it states that it should do. On this past Friday I called to find out my taxes were taken the full amount when I called my loan officer she informed that the website updates daily so just cause I dont have an account one day dont mean I wont have one the next. Im not understanding how that exactly works and how is a person supposed to know that they taxes will get taken without calling everyday. I was told I have to fill out I formation like a hardship form and a few other forms. I was given wrong information or not the full information and due to the school closing down and I never graduated from them I am asking for a full refund of my tax return.

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 2018-02-25 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: GA

Complaint narrative:
XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX on XX/XX/16 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Im trying to access my Capital One accounts with another application to try to save me money. But XXXX policy does not allow this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : TRANSUNION, XXXX AND XXXX I am writing to dispute the following information that appears on my [ XXXX or XXXX or TransUnion ] consumer report : Dispute : " XXXX   XXXX  XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: FL

Complaint narrative:
XXXX XXXX XXXX SSN # : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Dear : XXXX, XXXX AND EXPERIAN I am writing to dispute the following information that appears on my [ XXXX or Experian or XXXX ] consumer report : Dispute : " XXXX   XXXX XXXX XXXX " File Number : XXXX " I don't recognize the accounts in question. 
" I'VE BEEN MADE AWARE OF SAME NAME REPORTING " I HAVE NO KNOWELDGE OFNTHIS ACCOUNT Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase is disabling buys for zero reason on millions of accounts. Asking for verification then never responding or enabling peoples accounts again. They are a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: Uber Technologies Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX   XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 )  Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I was tricked by XXXX store in XXXX, XXXX into getting a credit card with XXXX XXXX. A fraudulent credit card was opened on my name without my consent. 
Details : I was checking out at the store and paying with my debit card when they offered a 'store card ' for a 15 % immediate discount. No word " Credit card '' was used. I accepted for what I thought was a loyalty card and signed. The store manager had my debit card in their hands and was doing some operation with it our of my sight, so I did not realize they never charged my debit card and the purchase was on credit. A month later, I collected my mail and found out that XXXX subscribed me for a credit card. The mail from XXXX XXXX says that I HAVE TO shop at a store monthly or I will be charged $ XXXX monthly. I signed-in online with XXXX XXXX to cancel the card - but there is no such option. I contacted XXXX, but they refuse to help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 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: GA

Complaint narrative:
XXXX XXXX XXXX did not have my authorization to pull my credit report. The inquiry made by XXXX XXXX XXXX on XX/XX/17 has been in dispute for unauthorization of pulling my credit reports. I have been disputing them for the last three months. I have disputed with the credit bureaus. During this period, I have yet to get a response in the mail. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorizations. The listed unverified inquiry has been proven invalid. XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, Inquiry Date XX/XX/2017 Address listed on credit report is invalid. I received returned mail on the address listed because it was unclaimed. Mail was unable to forward because there was no other address listed to send the letter. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete. Please help me to get this business to delete the inaccurate and unverifiable inquiry from my credit reports immediately.

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 2018-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
XX/XX/2017 sent a dispute letter to the 3 credit bureaus asking to verify this collection not known for me and never receive any comunication attempting to collect any amount from XXXX XXXX.

After few weeks receive by regular mail a letter with a check mark indicating the debt is mine and a statement of XXXX  dollars for a cell phone account.

I ask the credit bureaus to validate this information and Convergent fail to reply straight to the bureuas with original contract with my signature on as lroof of any debt with a cell company or any proof to owe any money to XXXX XXXX.

They never contact me or provide physical evidence of any debt related to phone company or XXXX XXXX.

Attached is a file they are indicating a debt without right validation.

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 2018-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had made a payment in the amount of {$57.00} for my Kohls Bill on XX/XX/2017. Once i was finished making this payment I was asked if I wanted to make this a one time payment or if I would like to use this method as autopay to ensure I was never late on payments ; i chose to enroll in autopay. I did not pay attention to the account for a few months and then I received a letter from Kohls stating that i had missed payments for the months of XX/XX/2017 and XX/XX/2017 and incurred late fees. I explained the situation and said that I had enrolled in autopay and they apologized for the inconvenience and refunded my late fees. I paid the bill and brought my account current and then a few days later my credit score plummeted almost 100 points! Kohls reported late payments to the credit bureaus for the months of XX/XX/2017 & XX/XX/2017 to the credit bureaus as late payments even though they admitted it was probably a system error. I then spoke with a representive in their credit department and they said I needed to write a letter. I wrote a letter to the credit department about the situation and they responded by saying they would not remove the late payments that had killed my credit score even though i was enrolled in automatic payments and a system error caused these payments to not be taken from my account on file. I am very dissapointed and this error has caused higher interest rates and is causing me to have major issues in trying to obtain a home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Have already followed up on this through a complaint but nothing was resolved. XXXX resolved, but transunion has not. They instead have mentioned an issue with my address which is not an issue. The address given is on my report and had been for 18 years. I have inquiries that were not authorized and they are not being removed which is unfair and to my knowledge illegal to have allowed these inquiries to be on my account from unauthorized applications. The unauthorized inquiries have been now removed from everywhere except transunion as i am having difficulties coming to a resolution. Ive written letters back in XX/XX/XXXX when my police report was filed only to no avail. 

What needs to be removed is this credit card from XXXX XXXX, inquiries from XXXX XXXX, XXXX, cXXXX XXXX XXXX ( valid inquiries for XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX ), XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 

I truly hate being a pain but these inquiries are insane and even an added account onto my report has happened since i placed the fraud alert on my report. Ive followed the needed steps with filing the police report and monitoring closely, yet these things are piling up, only on my transunion. All other reputable reporting agencies have resolved this issue. The adddresses on my report at XXXX XXXX XXXX is valid and has been for 18 years. I also have an address at XXXX XXXX in XXXX which is also valid and on my report. Please help 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