vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
After looking over my credit report there were inquiries being reported on my credit report by Experian. 
1XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XXXX  XX/XX/XXXX 6.XXXX  XXXX XX/XX/XXXX 7.XXXX XXXX XX/XX/XXXX 8.XXXX XXXX XXXX XX/XX/XXXX I have also disputed with the creditors as well, I send them a letter that I have attached to this complaint, and Experian is still reporting these fraudulent inquiries. 
I also tried disputing this online with the credit bureau but it does not allow me to. I tried calling and no help. Experian is reporting NOT YET PROVEN COMPLIANT INFORMATION that requisites DELETION to avoid civil suit! They have detailed on my current Experian Credit Report several ALLEGATIONS of inquiries that have NOT been adequately verified in a COMPLIANT MANNER as mandated per the FCRA METRO 2 reporting regulations, namely that they do not HAVE VERIFIABLE PROOF of PERMISSIBLE PURPOSE and the chichanary led subterfuge is UNLAWFULLY injurious to my credit and reputation which is a CLEAR INFRINGEMENT of my consumer and civil rights. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Obviously this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2019-06-28 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: IL

Complaint narrative:
I send in my dispute to Equifax and there response was that they cant Identify my me with the information I provided this just another one of there stall tactics I send in my correct infomation same as all ways and it was never a problem verifying it before I stated that I was ready to file a law suit because of the way Equifax is unfairly treating me you can chek the infomation I send in the necessaryinfomation required to proof that I'm the XXXX XXXX XXXX requisting this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There exist an undocumented and supported public record on my credit report in regards to a federal bankruptcy. I am submitting documentation to support the credit bureaus are fraudulently and falsely stating they have verified the source of the information from the federal bankruptcy courts, which is a " false statement! '' The attached communication from the United States Federal Bankruptcy Court of the Southern District of  Florida to the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) clearly states the court does not provide information to the credit bureaus to include XXXX, XXXX and Trans-Union. 
Also, these companies are using a practice that targets XXXX XXXX to the extent there exist a less of standard to verify credit dispute issues. In this matter there is no verification from any creditor or business there exist a debt associated with a federal bankruptcy. As well as there does not exist a verification through the use of my SOCIAL SECURITY NUMBER from the source of the public record. 
I am attaching documentation that reveals the falsehoods of these three credit companies.

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 2019-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have IRMA damage to my home in XXXX County Florida. I had to sue my insurance company to get coverage. While I'm waiting on the lawsuit to end I fix the house with SBA money and my own money. Insurance company settled in XXXX. In XX/XX/2019 I received 50 % of my monies from LoanCare ( mortgage servicing company ) on XX/XX/2019 I received a 100 % inspection but LoanCare will not release the remaining funds. I've called them countless times and they keep telling me I need additional paperwork. LoanCare has all of the required paperwork. They just will not release my remaining funds because I did some of the work myself and they don't know how to handle that.

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 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
Ive been trying to get a home loan when i went to the place to check my Credit they told me I had a card on my account that was in Collections that it will hurt me from getting a home loan I got a hold of the Collection company Midland Funding and paid off the card which was {$620.00} or so on XX/XX/2019 i was about to close on my house when they denied me the loan saying I had missed payment on the card I call XXXX XXXX XX/XX/2019 to report the card a fraud I know I never took that card out so today on XX/XX/2019 I found out my ex took out that card I never approved it and had no idea she did this Ive been trying to get this debt off my Credit report and XXXXl XXXX or midland funding say they have nothing to do it nor is it there probably they just send me back and forth from them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Someone used my information to open up several accounts. That opened 5 retail accounts and bought a couple of cars in my name. The retail accounts were turned over to Midland credit management and they had filed a lawsuit against me. I disputed them and they stopped the lawsuit and than sent me a letter saying that they finished their investigation and I was liable for them. They said if I had other information to submit they would investigate again. I sent them police reports copies of the girl who used my information and they still said I was liable. They have now filed another lawsuit against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I requested a credit increase on the XX/XX/2019. My account with capitol one is in excellent standing I pay my monthly bills and do not go above my credit limit. 
I felt discriminated when I received a letter from capitol one day my application was rejected and unable to give credit increase

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I opened a new account with XXXX/XXXX XXXX earlier this month. Mistakes were made and I believe they charged my Visa account incorrectly. We have two charges, one for a valid payment on account and another unauthorized charge that XXXX will not take responsibility for. They want me to declare it as fraudulent to my bank. That would require notifying several merchants that we do business with of the new card number to be issued. I am not prepared to concede that it is fraud, but an error on XXXX 's part. 
The charge lines are for two different merchant accounts, it appears. One is XXXX OH, the other is XXXX TX. I would like contact info for each or at least the TX merchant to allow me to straighten this out, hopefully without going through closing my account and opening a new one. 
XXXX and PNC Bank customer service reps are not being as helpful as I had hoped. Can you help with this? 
Charges made XX/XX/2019 XXXX XXXX OH for XXXX ok XX/XX/2019 XXXX XXXX XXXX TX for XXXX Wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
There exist an undocumented and supported public record on my credit report in regards to a federal bankruptcy. I am submitting documentation to support the credit bureaus are fraudulently and falsely stating they have verified the source of the information from the federal bankruptcy courts, which is a " false statement! '' The attached communication from the United States Federal Bankruptcy Court of the XXXX   District of Florida to the XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ) clearly states the court does not provide information to the credit bureaus to include Equifax, XXXX and XXXX. 
Also, these companies are using a practice that targets XXXX XXXX to the extent there exist a less of standard to verify credit dispute issues. In this matter there is no verification from any creditor or business there exist a debt associated with a federal bankruptcy. As well as there does not exist a verification through the use of my SOCIAL SECURITY NUMBER from the source of the public record. 
I am attaching documentation that reveals the falsehoods of these three credit companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I applied for a Best Buy credit card, I was told to go into a store to complete my application. After I showed my Drivers License and answered some security questions they told me they could not verify my identity and wait for a letter in the mail. 

The letter in the mail said they could not verify my identity and to call a phone number. 
After calling the toll free number I was directed to go into the store to get my credit card. 

After going to Best Buy a second time I repeated the same process and I was again told to wait on a letter in the mail. 

The letter in the mail said the same thing, I called the number and was told to go inside the store again and repeat the same process.

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 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX Medicredit is stating that I owe a debt in the amount of {$1800.00} from XX/XX/2019. I have insurance that apparently was never billed for a service that I never had rendered nor have I received a bill. I have submitted a dispute that was rejected and XXXX decided to favor the collector. I would also like to note that not only is this a bill I never received, this is also a violation of HIPAA that I intend to report for sending my personal information to any 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 2019-06-28 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:
I have negative remarks on accounts that don't even belong to me on my credit file.

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 2019-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
On Friday XX/XX/2019 Convergent Outsourcing Inc contacted my father about an alleged debt with XXXX XXXX. They told my father details about this debt including amount owed. I never gave Convergent permission to speak about this debt to anyone. My FDCPA rights have been violated. I previously had written to them to verify this debt before this occurrence. I still have not received this verification. When I spoke to them on XX/XX/19 I also verbally told them that I would like this debt verified and last time I spoke to somebody about this debt I had also asked them to verify 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 2019-06-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
XX/XX/XXXX my credit card was not in my possession and was used at XXXX XXXX KY for 2 separate transactions to purchase visa gift cards. A police report was filed and submitted to Bank of America. There is an ongoing investigation with the police as they locate the suspect. Security camera footage show the suspect using the stolen credit card. 

The Credit card company temp credited my account and sent me a letter on XX/XX/XXXX that my claim has been denied and I am responsible for the fraud charges because the card was present and a chip was used. 

I was not even in the state nor did I have the card in my possession at the time of the charges. 

I called Bank of America on XX/XX/XXXX and worked with a customer service rep and he re-opened my claim and said I would not be responsible for the charges again until everything is closed. I am mailing in pictures of the suspect along with an email from the XXXX XXXX Sherrif 's office stating " this is the suspect ''. Bank of America asked me to fax also and I will do that today. I do believe it is difficult to see a person in a hoodie and glasses on a fax but I will submit the fax today and also the information has been mailed. 

XX/XX/XXXX, I called back to Bank of America to ask why there is a balance on my account and he said I am responsible for the balance until the investigation in complete. I asked for the details of my calls in to resolve this issue and he refused to give me the information, said I need a supena. He was very rude and not willing to help me with the details so that I could file this complaint with all of the points of contact I have made. I have been with Bank of America since XXXX and I did cancel my card today due to this issue and there is no favor of the customer being correct. My card was stolen and used to purchase gift cards. I am VERY unhappy with Bank of America and their lack of concern for their customers, especially long term customers with excellent credit history. I have had no issues with my credit card since XXXX and this is the first one and it has been handled extremely poorly. The fact that I am having to contact the CFPB to help resolve my fraud claim is ridiculous. Warning to those who use Bank of America. They are not about backing the customer when there are fraud charges on your account.

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 2019-06-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PR

Complaint narrative:
During the month of XXXX I sent to Experian a dispute where I included the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2019, I received the final response to the dispute and they were not expressed in relation to the accounts described above. 

I

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 2019-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Im in financial hardship due serious medical XXXX conditions. 
My business is closed to unable to work due to my medical XXXX conditions. In this overwhelming business debts unable to pay. They are threatening to take legal action against my person. What can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: TX

Complaint narrative:
I checked my credit TransUnion report in XXXX 2019 and noticed several unauthorized inquiries. I called TransUnion XX/XX/2019 and informed them that the inquiries were unauthorized and illegal. I called twice and both representatives said that they could not dispute inquiries because they were factual pieces of information on my report. I responded to them by saying that the inquiries were illegal and unauthorized, but also that they were damaging my credit rating and needed to be removed immediately. The FCRA says that lenders have to have my permission to pull the report and provide a firm offer of credit, neither of which occurred with these unauthorized inquiries. On XX/XX/2019, I sent TransUnion a letter listing the inquiries and explaining the same information I did in the 2 phone calls. They did not respond to my letter and the inquiries remain 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 2019-06-28 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Merchant, XXXX XXXX, XXXX XXXX, NV, solicited a sample purchase for {$5.00} via an email campaign that did not disclose a requirement for purchasers to make repetitive monthly purchases at 20x the price until cancellation. Order was immediately cancelled upon receipt of billing and the cancellation was acknowledged. Merchant continues to bill repetitively and CapitalOne will not chargeback to the merchant or make good on its fraud protection guarantee. The merchant 's web-site does provide adequate disclosure of a monthly purchae subscription ; but, its email solicitation and purchase confirmation do not. Merchant pretextually provided screenshots of its web-site in a chargeback reversal request and CapitalOne has refused to recognize the difference between merchant 's web-site and the merchant 's email solicitation, the latter being fraudulent. CapitalOne states it only recognizes unauthorized use of credit card as fraud but refuses to recognize that fraudulent misrepresentation is fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I'm a disappointed with XXXX XXXX billing process. My name is XXXX XXXX and my company ( XXXX ) had to called XXXX to call an ambulance services to take me to the hospital. All information was provided to XXXX XXXX yet the system never took down my correct address and Medical Record ID for XXXX XXXX. This occur around XX/XX/2018. 

Because of this mishap, XXXX XXXX was not able to bill my insurance and pushed my billing to a debt collector ( WAKEFIELD AND ASSOCIATES ) which cause a negative impact on my credit score. 

XXXX XXXX and Wakefield stated that they sent mails and attempted to call me but I have never received any phone calls or mails where XXXX XXXX was unable to get my medical id from XXXX even though they stated that they have attempted. I contact XXXX XXXX and then inform me that they did not have the correct address on file for some reason. 

My credit should never had a collection notice on my record which cause a very big negative impact on my credit score because of XXXX XXXX and Wakefield AND Associates. I have already contacted both company and provided my medical id after seeing my credit being ding by the collection notice in my credit report and they stated that it will take 45 - 60 days to have this resolved. In the meantime my credit score is being impacted which i feel strongly that it is not fair

Company response to consumer: Closed with explanation