vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX my bank account was put on hold for {$2400.00} and a " legal fee '' was charged by the bank in the amount of {$120.00}. I spoke to XXXX from XXXX XXXX XXXX because my bank informed me they were the firm who provided them with a court order. I explained to XXXX that their information was inaccurate because the only Capital One credit card I have is currently active and in good standings, it's also a secured credit card. In prior years I had also had a Capital One bank account and if anything would have been linked to my name they would have informed me at the time. I NEVER received not a single document from this firm. Through my further investigation, I found that this same debt, I disputed when another collector attempted to collect on it. I filed a complaint against that collector and Capital One, in which Capital One responded with a letter dated XX/XX/XXXX. 
In this letter Capital One states " We have reviewed our record and found that we are not reporting this account to any of the CRAs. Please note that your account charged off on XX/XX/XXXX, and was then placed with multiple collecting agencies. The first agency was XXXX, placed on XX/XX/XXXX, through XX/XX/XXXX. The account was then placed through the XXXX XXXX ( XXXX ) with the firm XXXX XXXX XXXX, XXXX on XX/XX/XXXX. This firm was previously called XXXX XXXX XXXX XXXX XXXX. We have contacted the firm to inform them of your concerns, and have updated their records with your request for a cease on collection efforts. They have no records of having speaking to you ''. I have also faxed this letter to XXXX on XX/XX/XXXX to the fax number she provided me which is ( XXXX ) XXXX. Capital One also states that this account was opened online and there was no signed copy of an application, which could explain why I was not aware of it. I acquired my first credit card in XX/XX/XXXXwhich happened to be a secured Capital One credit card. My information must have been stolen during the several times I lost my wallet throughout the years. Once again, I never received any form of communication from Capital One or XXXX XXXX XXXX regarding this matter until I saw it in my credit report and disputed it. I've forwarded my mail through USPS to wherever I lived and never did I receive correspondence for this and I did not live at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, I'm contacting the credit bureaus in order to have this corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I have an account with Ally financial and their site has been down for multiple days and will not allow logins. I have attempted to contact them to get this resolved, yet it is not. This prohibits making payments. Yet, when I called in, apparently a new charge has been filed as a late fee. 

Ally is not a responsible or capable lender and must get this issue addressed.

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 monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a XXXX XXXX / Capital One account that was closed in XXXX. Now it says in XXXX that I have a 90 day in the year XXXX. This bill was sold to a collection company in XXXX or XXXX. This should not show up on as late now!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX To whom it may concern, I am filing a complaint due to fraudulent addresses on my credit report that do not belong to me. I had my ID compromised and I am trying to deal with the aftermath of this situation. I will attach my true and proper ID and address to this complaint. Please be advised the following addresses need removed : XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current and only employer is XXXX XXXX XXXX XXXX XXXX My only address is XXXX XXXX   XXXX XXXX XXXX, OH XXXX, please remove all others they are not accurate.

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 2019-07-10 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: GA

Complaint narrative:
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. 
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 explanation
Consumer complaint received 2019-07-10 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: GA

Complaint narrative:
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 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: MO

Complaint narrative:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX NA XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 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 2019-07-10 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: LEXISNEXIS
State: GA

Complaint narrative:
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Innovis
State: GA

Complaint narrative:
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: ID Analytics, Inc.
State: GA

Complaint narrative:
This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/2019, I submitted a personal loan application to consolidate debts to XXXX XXXX XXXX XXXX XXXX, understanding that according to my credit report I have a good credit to receive a good interest rate. The loan was approved but at a very high interest rate, and the bank indicates me that the credit score they received from Transunion is XXXX, which is not the same as the report that I received from the TransUnion, which is XXXX. On XX/XX/2019 I called TransUnion and requested my credit report and my credit score again and they certify that my credit score is XXXX. On XX/XX/2019 I called the bank and send the credit report that a received but the bank indicates that they can not use the report that I have from Transunion since they received other information from their credit bureau.

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 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2019 the amount of {$3700.00} was taken from my escrow account with Cashcall XXXX Mortgage and never applied to my property taxes. I have called multiple times to try and resolve this situation. During my calls the operators have acknowledged that this appears to have been a mistake on their part as my taxes due were in the amount of {$3600.00} and the incorrect amount of {$3700.00} was taken from account allegedly to pay my property taxes which did not happen. I had made calls on XX/XX/XXXX, around XX/XX/XXXX and again on XX/XX/XXXX to report this problem. Each time I call, I have to start from the beginning and they say they are escalating me to a supervisor and then to the tax department. Each time with no specific resolution. I was told on during my call on XX/XX/XXXX, that I would be getting a refund check in the mail once this was resolved which I never received. 

The amount of {$3700.00} was stolen from me by Cashcall Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
In XXXX of XXXX, I received a lawsuit notice from this company, which is also a collection agency as well. The notice stated that it was for the amount of XXXX which shocked me because this was for a XXXX card that I knew I made a final payment for in XXXX of XXXX. 

I immediately called them and requested to drop the lawsuit and/or get this balance to be disputed and reviewed. They claimed they mailed out a demand letter in XXXX of XXXX. I told them I never got it and they rudely responded with " There is nothing in the notes that states we got a return letter ''. I then told them I never got the letter. 

I also immediately responded to the complaint as this has turned out to be a very long pending investigation. 

Many weeks later I get a letter directly from XXXX stating their " I still owe the money '' after further investigation. There was no other explanation. I called the collection agency again and asked them to drop the suit and they again rudely responded with " our client does not allow that ''. They also refused to give further details on why the dispute was rejected. 

In XXXX of XXXX, I found out that my identity was stolen. This credit card they are referencing too was open during this period of time. 

They also refused to give actual debt details and refuse provide any evidence of any contact in regards to this debt prior to the lawsuit. They do not have any prove that letter was mailed out. 



I already filed a complaint against XXXX for failing to follow on the credit card act Levy Law and Associates LLC failed to follow on the collection act as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Per Ocwen house sold XX/XX/XXXX, says use XXXX see trustee letter, when i call same voices from Ocwen, they can use there own foreclousure company? why isnt house on the website as sold? ILLEGAL PROCESS, renter in property! Who process is an illegal foreclsoure, now XXXX says sold XX/XX/XXXX!?!!?!?! And i filed a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
On XX/XX/XXXX, PHH took over our mortgage from Ocwen. Ocwen deducted {$800.00} on XX/XX/XXXX from our XXXX XXXX  checking account. Of that amount, Ocwen sent PHH {$650.00}. They are now saying we owe them {$140.00}, which they say is a " suspended balance. '' The full amount was deducted and Ocwen is responsible for sending PHH the remaining balance, which will bring us up to date through XX/XX/XXXX. 

Also, due to the " suspended balance '', we were told a payment made the date of this complaint covering the month of would be applied as a payment for XX/XX/XXXX, which should be paid in full. 

We spoke with XXXX, and received a confirmation number from PHH : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: MO

Complaint narrative:
I have been the victim of identity fraud and have contacted the credit agencies about the numerous inquires listed below that were not initiated by me. the credit bureau simply states that i need to contact the creditor. When the creditor is contacted they can not provide any proof where I consented to have my credit run. further more they refer me back to the credit bureau. Im not getting anywhere and want these inquires removed from my file as they are hindering me from obtaining credit and better interest rates at the bank. Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX L Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX, Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: DE

Complaint narrative:
I Had opened a case with Coinbase on XX/XX/2019 regarding an unauthorized action on my account, and my Account is put on hold to no ability to login from that time, it's more than 45 days and still my case is not resolved, i had contacted their support team more than 10 times, they say that " Account Specialist is working on it '', without providing any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
OnXX/XX/2019InoticedthatanautomaticwithdrawalwasmadefrommycheckingaccountbyCoinbase,thebitcointradingcompany.IreachedouttothemonXX/XX/2019andwasinformedviaemailthattheywouldgetbacktomeassoonaspossible.Inthemeantimetheydisabledmyaccountwhichhadapproximately{$2000.00}.IaskedforanexplanationonXX/XX/2019butnonewasreceived.OnXX/XX/2019Ireceivedanautomaticmessagesayingthatmybalancehadbeenincreasedby{$1000.00}.However,myaccountwasstilldisabledwithnoaccess.Ihavetriedcontactingthembyphone,butyou'redisconnectedassoonastheyrecognizeyournumber.Theywillnottakecallsfromanyothertelephonenumber.

Iamatwitsend.Icanillaffordtolose{$3000.00}.

ThetwocaseNos.theygavemeareXXXX&XXXXCanyoupleasehelp?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: NY

Complaint narrative:
To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX  started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX  and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX   XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: NY

Complaint narrative:
To all of the below mentioned companies Ive sent letters and attempted contact with them for illegal possession and use of my report. They have refused to delete the inquiries using a dealership as a scapegoat Ive never heard of in my life. Not only this XXXX started a new trial membership under my name with my email address for a car I never owned. But once they realized I already had XXXX and didnt own any new car they quickly deleted the trial and new membership but these creditors mentioned below rather harm my score with unknown inquiries then do the same. 

XX/XX/2019 XXXX XX/XX/2019 XXXX  XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XX/XX/2019 XXXX XXXX AF XX/XX/2019 XXXX/XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX BANK XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX/XXXX XX/XX/2019 XXXX XXXX   XX/XX/2019 XXXX XXXX XX/XX/2019 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