vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Credit Card Company has reported late payment history from the months of XXXX 2017, XXXX 2017,  XXXX 2017, XXXXr 2017, and XXXX 2017 on my credit reports which is inaccurate information and lowing my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: CA

Complaint narrative:
Someone has applied for " XXXX '' using my information and I did not allow this to happen. When i saw this unauthorized inquiry on my credit report, I contacted the credit bureau TRANSUNION to dispute and remove the inquiry. I was told my a representative that the inquiry has been placed under dispute. I have been waiting months and I have not received any news on the inquiry. 


The inquiry was made on XXXX XXXX,2017 from 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 2018-01-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent a letter asking Equifax to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as names on the bill that is not mine. I provided a copy of my written contract and details of their errors and received a response from XXXX XXXX in writing on XX/XX/XXXX clearly stating that everything is correct. They did n't fix anything and instead stated that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract or correct the billing errors, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract or correcting the bill and I immediate cancelled prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with Credence. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: CA

Complaint narrative:
I started to monitor my credit with Experian.com and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry.

XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX ( XXXX XXXX,2017 ) XXXX XXXX ( XXXX XXXX,2017 ) Experian XXXX XXXX XXXX ( XXXX XXXX,2017 ) I spoke to a customer service representative from Experian and XXXX so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not 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
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent a letter asking XXXX to verify the negative items items on the list on XX/XX/2017, and it has past the 30 days deadline to response and need to be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have sent letters to the three credit agencies ( Equifax, XXXX, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: CA

Complaint narrative:
I started to monitor my credit with XXXX and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry. 

Transunion XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) I spoke to a customer service representative from XXXX and Transunion so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not 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 non-monetary relief
Consumer complaint received 2018-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent letters to the three credit agencies ( XXXX, XXXX, and Transunion ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.

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 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have sent letters to the three credit agencies ( XXXX, Experian, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.

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 2018-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I called citi bank regarding my XXXX credit card XXXX on XX/XX/XXXX. This card can be used anywhere but the rewards are redeemable for XXXX purchases. Apparently the XXXX credit card statement which we didnt receive had a {$580.00} XXXX reward certificate that expired XX/XX/XXXX. Their limited attempts to notify us involved sending emails which went to my wife ( XXXX XXXX ) spam folder. The representatives on the XXXX number are telling me there is nothing they can do and there isnt anyone that can reissue the {$580.00} certificate. If we had lost a certificate I could understand this response but we feel that our {$580.00} is being withheld regardless of the fact that we didnt receive the statement containing the certificate through the mail.

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 2018-01-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I personally wrote a certified letter to Wells Fargo Dealer Services, I mailed a debt validation letter, requesting VALID proof that I owe { {$6500.00} } .On XX/XX/XXXX, I received an itemized letter with a list of dollar amount, attached is verification of the debt ''. Wells Fargo Dealer Services, is saying that I was a collections/charge off. Im disputing delinquent information that Wells Fargo Dealer Services has reported on my Credit Report, please note this account is paid-off in fullTherefore I am filing a dispute and requesting to have this collection account deleted from my credit report. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
Funds were taken out of two of my checking accounts. One account {$900.00} was taken. The other account {$300.00} was taken. Funds were deposited into Coinbase without permission. Funds wrrethen transferred to an unknown address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: AR

Complaint narrative:
I have two medical debts appearing on my credit report from Merchants & Medical that I 've disputed on two different occasions and they have yet to properly validate each debt with original documentation or anything with my signature attatched.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Credit Card Company has reported late payment history from the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my credit reports which is inaccurate information and lowing my credit scores.

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 2018-01-21 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: CO

Complaint narrative:
XX/XX/XXXX found 5 fraudulent charges on my Capital One credit card. Immediately reported to Capital One and was told the charges would be marked as fraudulent and temporarily reversed from my account. 

Upon checking my next statement, I saw the charges were still on the account, and called again. I was told that due to an error in the system, they had n't been noted as fraud and that they now would be so marked so the investigation could begin. I was also told I would receive a letter from the fraud department, which I never received. 

Today (XX/XX/XXXX ) I received an email notice that my payment was late and that I had been charged a {$27.00} late fee. Upon speaking with a fraud supervisor, I was again told that the charges had never been marked as fraudulent and that they would do so now so the investigation could begin. I have an excellent credit rating and payment history, have not used this credit card in several years, and am frustrated with Capital One 's inability to solve such a simple issue and repeated claims of their system being at fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I refinanced my two federal student loans this past year with a consolidated private loan. Prior to refinancing the interest paid on both loans were always eligible for a XXXX. 

Now, Navient is refusing to recognize the interest paid on the new loan as eligible for a XXXX. Interest paid on a refinanced student loan is eligible for tax deduction for an Individual tax payer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: IA

Complaint narrative:
I tried to put 1000 XXXX dollars in a crypto currency company called coinbase. They said that my money would come in three days. But I waited a month and I still havent gotten my money.But they just took the money from my account and have yet to give me my money on my basecoin account. So I went to the bank and somehow they thought that I was hacked so they went to the criminal department and they said that the money was correctly charged from my account. So I went on XXXX and found out I was the only one with my problem. They gave me a phone number to call but there was no one on they other end and I was on hold for one hour, then I finally hanged up. I even tried to file a complaint to their website on the complaint section and I have waited for over two weeks  for an answer and I got none even though I supplied them with all the information needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CDI Affiliated Services, Inc.
State: TX

Complaint narrative:
I received several phone calls with regards to this collection account for the amount of {$510.00}. After speaking with this creditor the conclusion was this is not my account because the social security number does not match. They agreed to remove this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
I was diagnosed with XXXX while studying medicine out of state in Alaska. Since the insurance was through a Washington state coverage ( my home state ) I had to get prespptoval for treatment out of state. I thought bills had been paid by insurance and later learned the had failed to cover the initial XXXX XXXX performed in Alaska as well as a number of follow-up visits which were in Washington state, where the major treatment was performed. The insurance company also failed to cover needed supplies for my XXXX XXXX materials. 
All this has resulted in damaging my credit when I THOUGHT I was completely covered. XXXX, XXXX, XXXX, XXXX were covered for the most part but the few items they never paid adversely affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants Adjustment Service, Inc.
State: MS

Complaint narrative:
it was on XX/XX/XXXX and XX/XX/XXXX that i sent my letters asking for verification of this debt.Neither time were there anything sent to me bearing my name within the 30 days time limitation.The item is still on my report after they have broken the law by not verifing it in time. 
It is causing me great hardship dealing with this matter for so long. 
The certified mail reciept number is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: TX

Complaint narrative:
This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This account was transferred to XXXX and is currently being repaid. The loan no longer belongs to XXXX. It has been over 7 years and this account is still showing on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted all 4 credit reporting agencies XXXX, XXXX, transunion, XXXX I sent certified mail requesting then demanding all accounts to be VALIDATED not a verification & to provide me with certified copies of the TRUE BILL and accounting log if accounts ca n't be VALIDATED then it must be removed, remove inquiries, Fraudulent TAX LIEN, remove phone numbers and personal statements, XXXX its a Fraudulent acct. update addresses thryvkerp telling me they have not received any certified mail from me i have the proof they got it UCC 1-308 WITHOUT PREJUDICE

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 2018-01-21 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMorgan/Chase is reporting that I have 18 late payment between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I disputed the late payments and asked that JP Morgan/Chase removed the late payments because my payments were made on time or I submitted a request for a forbearance or deferment at least 30 days before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: UT

Complaint narrative:
Starting with my XX/XX/XXXX payment and with each monthly payment through XX/XX/XXXX in addition to my monthly payment, I included an additional {$10000.00} dollar payment to go to paying down my outstanding principal. This was submitted with the companies own payment coupon and was clearly stated for what each amount was being payed. These additional payments have not been properly posted to my account. 

Before the {$10000.00} payments were credited against my outstanding principal, the next month 's payment was subtracted from it and the remainder credited to my outstanding principal. This has resulted in my outstanding principal balance being too high and me being over charged on interest owed. 

I have written letters to my mortgage company twice asking for this problem to be corrected and my outstanding principal balance to be brought up to date. These letters were sent on XX/XX/XXXX and XX/XX/XXXX. 

The first letter resulted in my balances being corrected for XXXX and XXXX but not for XXXX Another attempt to correct the situation was made by Roundpoint Mortgage but that did n't address the over charges made for interest due and thus did n't resolve the problem. As of today ( XX/XX/XXXX ) my outstanding principal is stated as being {$130000.00} instead of the {$130000.00} that it should be. 

Each month that this continues only compounds the problem. I am being over charged on interest and my payments against my outstanding principal are smaller than they should be.

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