vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-13 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: FL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TransUnion XXXX XXXX Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: FL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Experian Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely 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 non-monetary relief
Consumer complaint received 2018-03-13 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:
Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely Name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.

Complaint narrative:
I am an XXXX citizen living in XXXX. 
When I opened a Coinbase account I was asked to prove my identity and country of residence. 
After few month, I've tried once to access to my account when I was in XXXX for vacation. 
After this event, when I try to access to my account I lend to a page where is written that because of what recommanded by the U.S. Treasury and the Office of Foreign Assets Control ( OFAC ) my account is locked. 
I sent several emails but after more than 3 weeks I still can not access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: NV

Complaint narrative:
The bankruptcy court supplied me with a letter that they did not report a bankruptcy to the credit agencies, instead of removing the incorrect information that did not belong to me they instead only removed one of the two errors and told me I have to send in another duplicate letter I already sent them claiming they can only remove one derogatory remark at a time this is the second request they have ignored the first was my request of 9 hard inquiries I did not authorize a letter was sent and now a second letter request was sent and they have failed to address this by supplying me with documentation baring my signature for these items on my credit report so they have disregarded my rights to the fair credit reporting act 611 ( a ) ( 1 ) ( A ). Then XXXX only removed the reporting source of the U.S bankruptcy court but shows as a derogatory public record which did not remove the incorrect derogatory information instead left it on my report without any source of reporting agency information and failed to supply me with the method of verification that I requested and updated my personal information with incorrect information regarding my employment that was not disputed and shown correct before, I have been at the same employer for the past 14 years so there was no reason to make that changes to my personal information without any source of changes from any agency. As well as pulling a hard inquiry I did not authorize with their company. I can only assume they did all of this purposely because of the unprofessional conversation I had with their agency. Their practices in resolving my issues has violated the fair credit reporting act section 611 ( a ) ( 1 ) ( A ).

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 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I found a collection on my credit reports from this company for a cell phone bill. I knew nothing about it before. Since it was identity theft ( I not only filed a police report, I found the person responsible and gave her name to the Sheriff 's Department - with pictures and proof ), I contacted the credit reporting agencies to inform them. Per the law, they are required to contact me before placing anything negative on my credit. They did not do so. They put negative information on my credit reports, causing my score to go down. When I contacted them, I was told that they used the information given to them by XXXX, which was incorrect and did not pursue anything further on their own. They are also required by law to report only true information. Since they used an incorrect address ( it was an intersection ) I never received notice that there was a collection. This went on even after they received the letter they claim they sent back since it was not a deliverable address, so they reported information they knew not to be true. I have lived at the same address for 7 years and had they looked for my proper information after receiving the mail back, I could have informed them of the identity theft. They have violated numerous laws and refuse to take responsibility for it. 

I filed a small claims case and their attorney all but ignored me, only to bump it up to District court. He also did not fulfill the mandated meet and confer requirements before filing a motion, but I will report that to the California bar and the presiding judge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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:
Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to  stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit. 

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely 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 2018-03-13 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: FL

Complaint narrative:
Date Name Address City State Zip Credit Bureau Address City State Zip Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Accounts and Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry or account on my file unless i have approved it. I have provided you with an FTC affidavit report and i am currently working with a police investigator to stop the use of my name by someone who has stolen my identity. Please have the following accounts & inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. I am disputing the accounts and inquiries as an internal dispute and an affidavit.

List fraudulent accounts : a ) XXXX XXXX b ) XXXX c ) XXXX XXXX d ) XXXX XXXX e ) XXXX f ) XXXX XXXX g ) XXXX XXXX h ) XXXX I ) XXXX  List fraudulent inquiries : a ) XXXX  b ) XXXX XXXX c ) XXXX d ) XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely 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 2018-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: VA

Complaint narrative:
Mr. Cooper debited my payment twice on XX/XX/2018. I have been unable to contact anyone at the company to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
On XX/XX/2017, a representative from ConServe, located at XXXX XXXX XXXX XXXX XXXX, XXXX, ny XXXX contacted me and threatened to report my collection account to the credit bureaus if I did not resolve the account by XX/XX/2017. I had been working with an attorney to resolve the debt and referred the representative to speak to him so we could reach a settlement. A settlement was reached before the date the representative had set on the phone, yet conserve has still been reporting my account to the credit bureaus. Initially a monthly payment agreement for the account was agreed upon, but the account has since been paid in full. Conserve negotiated this agreement in bad faith and has collected the full amount, and reporting the information to the credit bureaus serves no purpose other than to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Accounts Group, Inc.
State: GA

Complaint narrative:
THE GEORGIA DEPT OF HUMAN SERVICES HAS ILLEGALLY ACCESSED MY TRUST ACCOUNT AND MY CREDIT THROUGH ILLEGAL FRAUD. THEY NEED TO CLOSE THEIR ACCOUNT AND REFUND MY MONEY.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
I had lost my job but have a job now. I have tried to work with One Main Financial and they are being so difficult. I need to get caught up on my payments, I need to know what my interest rate is and I need to know when this loan will mature. Nobody is able to tell me when this loan will be paid off if I keep making payment of XXXX a month which is the minimum monthly payment. They just keep telling my loan matures in 2019. What the XXXX does that even mean? Does that mean if I still owe a balance in 2019 that the loan is done being paid off and I won't have to make payment any more. I just want to know if I am behind in payments how long will it be to catch up? Once I am caught what is my interest because right now only like XXXX is going to principal. If only XXXX a month is going to principal when the XXXX will this loan be caught up, what will my interest be and when will this XXXX loan be paid off? Like I said they keep saying 2019 but won't clarify once the loan hits maturity and there is still a balance owed what happens to the amount due after maturity. I want the loan current now that I am working, I want to know why only XXXX out of the XXXX monthly payment is going to principal and I actually want to know how long it will take to get this loan payed off. No one can tell me know matter how hard I have tried to get this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
First Federal Credit Control is attempting to collect three past due amounts in duplicate. They have submitted duplicate entries to XXXX and XXXX, showing I owe twice as much as I currently have been making payments on. They first reported the amounts on XX/XX/XXXX and then repeated the amounts as separate entries on XX/XX/XXXX. First Federal Credit Control needs to correct their mistake on both XXXX XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: IL

Complaint narrative:
I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM 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 2018-03-13 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 have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM FILE ....

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: IL

Complaint narrative:
I have contacted all three agencies via phone and certified mail in regards to an account credit first. This account was paid and now it is reporting derogatory on my credit file .... i have requested any and all information on how this was added, verified etc and NO COMPLIANCE ... this account is INACCURATE and per FCRA any inaccurate information MUST BE DELETED FROM 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 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had a Capital One credit card for many years. The card was originally with XXXX and was then transferred to Capital One a couple of years ago. OnXX/XX/XXXXI paid off my balance in full. On XX/XX/XXXXI was charged interest in the amount of {$2.00}. I called Capital One multiple times and was told the {$2.00} could not be credited because the card balance had not been XXXX for the past 2 months. They informed me that I should have called them prior to paying the balance off to get a payoff quote. This card is not a loan or line of credit account. I have never been told in the past that this is how the card works. I have never heard of a credit card being set up this way and don't think this is a valid practice they should be using. After several calls and requests for supervisors I was able to get someone to credit me the interest after telling them I would be reaching out to the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation