vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I received a collection call a few months ago claiming I had a debt in collections. I immediately thought it was a scam because it sounded sketchy especially since I am responsible and married a CPA who manages finances. 

I received another call. I asked what they were talking about and they told me they acquired the debt from XXXX. I did cancel XXXX within the last few months but I had that account for 17 years and verified I did not have a contract before canceling due to service bad at my new home. 

I asked for the reason of the charge to which they could n't tell me. I asked to dispute it and was told to contact XXXX since they are the only ones who can see the reason. I called XXXX and they could not tell me anything since the account was purchased by collection company and I 'd have to contact them. I went back and forth several times. I put in a dispute with the collections company and was told it 'd be reviewed and I would be contacted. That was a couple of weeks ago. 

I am currently trying to purchase a larger car since my wife is XXXX in 6 weeks. I decided to check my credit and find that my XXXX score is XXXX and my XXXX is XXXX because they reported the false debt. To put it perspective it has n't been reported on XXXX and my score is an XXXX. This is going to significantly cripple me getting the interest I should get not having this. 

Thanks,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-02 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: TN

Complaint narrative:
I contacted trans Union credit bureaus on XX/XX/XXXX about inquiries that was on my report that should not have been there. I told them I was a victim of the inquiry issues section 6-11 they said they could n't help me. These are the inquiry that was removed and put back. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2017-09-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a request to XXXX XXXX and Experian. XXXX is the ONLY one who complied. XXXX and Experian have yet to respond or comply with my section 609 request as of today XX/XX/XXXX. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.

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 2017-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE CC # XXXX HAS BEEN PAID OFF > STILL SHOWS A BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: NJ

Complaint narrative:
XXXX XXXX card, XXXX, XXXX XXXX, XXXX XXXX, XXXX/ XXXX, XXXX/XXXX, XXXX/ XXXX, XXXX, XXXX, XXXX, XXXX card , XXXX  XXXX, XXXX XXXX , XXXX, XXXX, XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX, these all hard inquiries that I do not approve. 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 2017-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
For the past 4 months I am repeatedly being charged for an item I did not order through my Capital One XXXX card. I have called each month to dispute the item and it 's reported to fraud and removed and then the following month I 'm being charged again for it. So each month I 'm having to call, talk to the representative, then fraud department, close my current card and issue a new number only to have the same charge applied once again to my new card. This has been lingering for months and I 'm getting tired of calling Capital One to resolve this issue. They always say they 'll make sure it 'll stop but this week the company attempted to charge me again twice in one week! The first attempt was on Monday, XXXX XXXX, 2017 and the charge was declined because I 'm almost a my full credit limit so the charge was denied. Then yesterday, XXXX XXXX, 2017 they merchant attempted to charge me once again but as I stated previously at being near my limit it was declined once again. It seems this merchant is being more and more aggressive with their attempts to charge me. I called Capital One XXXX today, XXXX XXXX, 2017 to inform them that the same merchant attempted twice to charge me. Capital One has admitted that they can block this merchant and have confirmed they have done so with my account but yet this continues to happen each month. Now with the merchants more aggressive tactics I 'm scared it will get worse, so I 'm hoping reaching out today and reaching the correct channel will finally resolve this issue once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX, XXXX, and XXXX XXXX ( XXXX ) stated they have sued me on BEHALF of Capital One Bank N.A. However, Capital One Bank has no authority of the account as they sold it to XXXX, XXXX, XXXX XXXX, who is a debt collector which therefore means that they can not sue me on Captial One Banks behalf. This is a very shady and unethical practice by this Debt Collector as they are trying to seem as if Capital One is suing me when they are in fact NOT! 

Secondly, I ask via CERTIFIED MAIL for XXXX to provide me with the following : 1. ORIGINAL agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my ORIGINAL signature stating that I have agreed to assume the debt 3. Valid ORIGINAL copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete and ORIGINAL payment history on this account along with an accounting of all additional charges being assessed 6. Proof that XXXX, XXXX, XXXX XXXX XXXX. exhausted ALL methods to attempt to collect or settle the debt in question 7. Show me that you are licensed to collect in my state ; and 8. Your license numbers and Registered Agent Instead of sending the above, they sent me a packet of photocopied pages of statements that I have never once seen before. They also sent a photo copied letter with a hand written date on it which is not legal to do as well as told me I am not allowed to get the above information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
XXXX XXXX CC ( MYLIFE ) XXXX PAID OFF XXXX OUT.

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 2017-09-02 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: TX

Complaint narrative:
On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received a collection notice from XXXX XXXX out of XXXX Delaware. They allege I have seriously past due amount owed to XXXX XXXX XXXX for {$30.00} plus collection fees of {$4.00} for a total of {$34.00}. 

I do not have a XXXX XXXX account nor have I ever been billed by XXXX XXXX XXXX for any services correctly or incorrectly billed. 

I find the practice of Transworld Systems wholly intimidating and quite illegal. 

Please investigate this company and it 's unethical practices. The notice is dated XXXX XXXX 2017 The alleged invoice stated is XXXX XXXX the file number is XXXX my unique registration code is XXXX. The notice also states there main office at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
This company is a joke. It does not show me my balance amount as of each transaction. Every other company does this, XXXX XXXX and XXXX XXXX XXXX except this. For example, I have {$1000.00} balance, spend {$3.00}, the balance should display as {$1000.00}, and so forth on each transaction line. Show the balance amount on each transaction line. Have a manager call me back and fix the problem. 
This is an easy problem, fix it, and stop acting like a bunch of boring guys in suits, and do your job. Please have high end technology director call me up. I do XXXX XXXX for a living.

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 2017-09-02 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank removed my inquiries from XXXX but they did not remove all them from XXXX. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
My car was involved in a hit and run on XX/XX/XXXX and it was totaled out by XXXX XXXX XXXX. I still made my monthly insurance payment for XXXX even though I no longer had the car. I received an email from XXXX stating " Please note that you no longer have insurance with us, effective XX/XX/XXXX '', 9 days after the accident. They ( through XXXX XXXX ), are reporting to the credit bureaus that I still owe the balance of the policy that they in fact cancelled. I disputed owing any balance to them. As a recent college graduate at that time it was impossible for me to make a payment for something that I did not need coverage for and that they themselves cancelled. I would like your assistance with having this trade line removed from all 3 credit bureaus. XXXX paid the value of the car off to American Credit Acceptance , LLC XX/XX/XXXX. The Gap insurance took a little longer to pay the difference. I over communicated with American Credit Acceptance making them aware of the loss of the car. They knew that I had gap coverage and they were working on completing the payment to them, yet, American Credit Acceptance , LLC reported to the bureaus that during the months of XXXX ( 30 days ), XXXX ( 60 days ) and XXXX ( 120 days ) that I was late with my payments. I no longer had the car which they knew all to well. Please assist me with getting these erroneous late payments deleted from this account. Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: FL

Complaint narrative:
XXXX Bank removed my inquiries from XXXX but they did not remove all them from Equifax. I have a inquiry XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Please remove these inquiries because they were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
The is complaint is again Diversified Consultnts for a XXXX bill in the amount of {$980.00}. I have never had phone service with XXXX. I recently reviewed my credit record and noticed the debt. I sent a letter to the company asking for proof of the debt and all a received was a company copy of a bills. I have never received any notice of this debt before contacting the company, I have not heard anything additional from the company either. This is not my account and needs to be removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 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: VA

Complaint narrative:
I have disputed a bankruptcy case with Experian & XXXX which they came back saying the information is verified. Advised my bankruptcy is being listed as chapter XXXX when it should be a chapter XXXX they stated it came back verified. I wrote the office of the clerk they advised me that they do not report bankruptcy. case information to credit reporting agency. Per section 609 ( a ) ( 1 ) they are required by law to verify through physical verification of the judgement. Public record information was never validated. I ask them to delete the judgement due the inaccurate reporting.

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 2017-09-02 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The complaint I would like to file would be against XXXX XXXX and XXXX XXXX & XXXX XXXX. Recently I called XXXX XXXX office to get an updated log of my account for my records, as well as the original copy of the contracts and documents that I signed for the account. I called to speak with a representative from XXXX XXXX to get an original copy of my account and summary. The associates name was XXXX he did, confirm that my account was at a XXXX balance. 
After our conversation I asked XXXX If XXXXXXXX would be able to send me a letter summarizing what we had discussed concluding that the account was at a XXXX balance. He said he would have to talk to his supervisor to get an approval for a letter to be sent out. He came back and told me that they could in fact give me a letter and it would take about 48 hrs. To be sent out for me to receive it. After 2 weeks of not receiving it, I called back to XXXX, and they informed me I would have to call XXXX XXXX to get any further testament of my account. 
Once I was able to contact XXXX XXXX they informed me that my account was at a XXXX balance and they no longer had my account. I requested from XXXX a letter stating these facts about my account, but was denied this as they said they do not issue letters about account balances or status, I would have to get back in contact with XXXX for those records basically having me run in circles. I then had to call back to XXXX and I was able to speak with another supervisor there. She informed me the reason I had n't gotten a letter was because they do not send out and will not send out a letter concerning any details about my account. Because of this I disputed the negative showing on my XXXX on XXXX.17 as well the XXXX showing on the same day. I then proceeded to dispute the XXXX showing on XXXX17. All 3 credit Unions reporting agencies did not respond to my request within 30 days allowed. They did not provide me with any proof of the validation of the account that XXXX provided them. 
At this point I do n't know what was provided by XXXX to the credit reporting agencies. I spoke with a XXXX  representatives XXXX, XXXX and a supervisor by the name of XXXX on XXXX.17. I was told that a dispute came back from XXXX at a higher balance of {$1600.00} but previously it was {$570.00}. 

XXXX XXXX holds the account for XXXX and XXXX, as I have a XXXX credit card. Because of the dispute with XXXX,  XXXX XXXX informed me that they decreased my credit limit from {$700.00} to {$100.00}. I have never missed a payment and never am late on a payment. One of my big questions, is are they allowed to do that. I believe its unfair when I have always kept my account in good standings.

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 2017-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Coinbase, Inc.

Complaint narrative:
On the XX/XX/XXXX I withdrew XXXXeuros from Coinbase digital wallet to my bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted the firm a multitude of times without result. Through email, chat, XXXX, all fruitless attempts. It 's like I 'm purposely ignored. 

My email address at Coinbase is  XXXXXXXXXXXX. I 'll send a screenshot as attachment. Thank you very much! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: PA

Complaint narrative:
XXXX shows a debt owed by me to Ability Recovery Service associated with an original bill due XXXX XXXX XXXX. I have not done any business with XXXX XXXX XXXX and the debt is not mine. XXXX  investigated and claims their investigation indicates it belongs to me. It is with 100 % certainty that the debt does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint for account number XXXX. My patient reference number is XXXX. I received a letter from a debt collection agency regarding a bill that I have been paying to XXXX XXXX XXXX Hospital. I was never placed on a financial/payment plan with this company and never received a bill from this company until a month later ( Received XXXX bill in XXXX, XXXX bill in XXXX and etc ). Therefore ; I took the initiative and started paying on it before I received a bill to ensure that I did not encounter late fees. I have paid a total of {$120.00} on this bill ( XXXX/month ) because that was the amount that I was able to afford based on my other bills. I have never missed a monthly payment nor did I receive a certain amount that I would have to pay but my information was sent to the debt collection agency. I have the check numbers for the amounts I have already paid XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX ) XXXX XXXX $ ( Check # XXXX ) XXXX XXXX XXXX $ ( Check # XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation