vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-23 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I have send several letters out to Equifax about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, Equifax, XXXX I have 18 hard inquiries on XXXX 43 on Equifax and 16 on XXXX  it has been over five months and I have not heard for any one

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: MS

Complaint narrative:
I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from XXXX, XXXX, Experian I have 18 hard inquiries on XXXX 43 on XXXX and 16 on Experian it has been over five months and I have not heard for any one

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 2018-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
I lost access to an email account that I used to sign up for Coinbase some years ago. I remembered the username and password and when I login, it gives me a two-factor authentication request that wants to confirm my email address. I don't have access to that email so I can not confirm. Coinbase has a support article which states they are able to help people who had lost access to their previous accounts ( https : XXXX ). I followed the process they outlined including creating a new account with a new email address and verifying my identity by uploading my California State Drivers License and a photo of myself. I also emailed them to let them know I went through their requested process for recovering accounts that you no longer have access to the email that you created them with. It took about a month and a half for someone to get back to me. A person named XXXX emailed me and said there was nothing they could do. I pointed them to the support article and pressed her to help me. She sent me another email with clarifying questions about my account. I responded with answers. I just received an email saying, again, that Coinbase can't help people recover their accounts despite their own policy posted clearly on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX XXXX is reporting fraud for a bank of america account bank of america closed there was no fraud

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 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Today XX/XX/2018 I just received an e-mail alert from XXXX XXXX and XXXX XXXX stating that an credit inquiry has just been made on my report, these inquiries definately are unauthorized

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 2018-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
in an nutshell i am a victim of identity theft, i am in the process of fighting back against the terror that i have been plagued with. Bank of America, where my Business bank account was opened at had been compromised, after a long and through investigation, I have deducted that whoever hacked and stolen my personal information was able to compromise all of accounts, since i started the business in XX/XX/XXXX, i have reported this to the IRS. via affidavit. the transactions are consistent in high dollar amounts. They finally ended when the account ended and closed.

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 2018-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Today XX/XX/2018 I just received an e-mail alert from XXXX XXXX and XXXX XXXX stating that an credit inquiry has just been made on my report, these inquiries definately are unauthorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CHECK INTO CASH INC.
State: CA

Complaint narrative:
l went to check in to Cash to get a payday loan. I borrowed XXXX dollars and they gave me XXXX. That is the amount I am supposed to receive I get paid once a month I pay the loan back and that day I borrow the XXXX back. I have been borrowing from this company for at lease 2 years I have never been late and each month i go in to pay this loan. Last XX/XX/XXXX I went to take out a loan with Check in to Cash and they ran my credit they didnt give me the option to choose if I wanted them to do this. I wasnt even asked. They didnt have anything posted. I called and complained and they told me they should have asked me or had it posted. The company also told me it would be removed. They never remove the inquiry. Since that date they have made 2 more inquiries on my credit. XX/XX/XXXX and XX/XX/XXXX. I have called this company corporate office more than 3 Times and nothing has been done about it. They just are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: DISCOVER BANK
State: NY

Complaint narrative:
In XX/XX/XXXX I received I received a phone call from Discover Personal Loans stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from Discover Loans and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from Discover Loans that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XX/XX/XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: Convergent Resources, Inc.
State: IL

Complaint narrative:
I try to have this matter taken of thru XXXX but they say the matter is done thru them. This is about a debt that was made without my knowledge by someone I used to know. Brought a cell phone from XXXX back on XX/XX/XXXX for {$440.00}. She told me back in XX/XX/XXXX what she did, she put down {$150.00} to get the phone in my name which I wasn't aware of. Upon a collection agency trying to collect money from me which started back in XX/XX/XXXX. Said I owned them {$690.00}. XXXX   XXXX which is a collection agency has destroyed my credit and has been calling me all the time. Which I have told them to stop but they haven't. The date and year and amount are all wrong from what the person who did this, showed me a purchase bill last year. She got the phone on XX/XX/XXXX, for {$440.00} and put down {$150.00}. This is not my debt.

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 2018-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX I received a used auto loan from Capital One Auto Finance for {$24000.00}. As I set up my account with the representative using the capital one 360 account I made a payment online which I thought went through, but unbeknownst to me there was a error and the processing which triggered a string of late payments. These were not knowledge to me as I just started to pay through XXXX to have validation. 

In XX/XX/XXXX I paid off the loan in full. As I checked my credit report through all 3 bureaus to make sure that it has been completed as paid I found that these months of reporting along with a repossession were on 1 out of 3 reports. At the time of me paying it off and it full it showed that it had been paid on time for the last 2 years prior to such after everything got sorted out. In addition, once it was paid in full there was a significant amount of time before the title was received. I have not had the most pleasant experience dealing with Capital one auto from a customer service standpoint and hopefully the resolution will change that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I received I received a phone call from XXXX XXXX XXXX stating that I owe on a {$25000.00} unsecured personal loan as of XX/XX/XXXX. They also said that monthly payments were made against this loan from XX/XX/XXXX to XX/XX/XXXX. I never received any money from XXXX XXXX and I did not make any payments to this SCAM LOAN. In XX/XX/XXXX. XX/XX/XXXX. or XX/XX/XXXX I had received an unsolicited letter from XXXX XXXX that I was preapproved to receive {$25000.00} from them. I did not want to borrow any money from them. I did not fill out any paperwork from them. I then forgot about tnid identity theft loan until the XXXX XXXX phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I just went to see my credit report and saw this unknown debt collectors called XXXX XXXX XXXX of which I know nothing about. So I went online and checked who they are. And they collect debts for XXXX companies. But i have never collected any phone or get a contract from these people, so I think it is an identity theft. Please, help me resolve this issue and take it off from my credit account. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
I have auto inquiries on my credit score that I never gave my consent to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: MO

Complaint narrative:
I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.

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 2018-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage has repeatedly made harassing phone calls claiming we are behind in our mortgage payments. We have made every mortgage payment in full and on time. They claim we never made our XX/XX/XXXX payment and now each time we make a payment it is credited to the previous month. On XX/XX/XXXX I sent them a bank statement proving we did make our XX/XX/XXXX payment. Despite this, as of XX/XX/XXXX we are still being harassed. 

I find it very unlikely that a mortgage company is this bad at managing payment records. I have also read the customer complaints against Freedom Mortgage on the website for the XXXX XXXX XXXX. As a result I'm becoming convinced that Freedom Mortgage is attempting to trick us into making an extra mortgage payment that we do not owe them.

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 2018-02-23 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: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I have auto inquiries on my credit score that I never gave my consent to

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 2018-02-23 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: Santander Consumer USA Holdings Inc.
State: AR

Complaint narrative:
I have auto inquiries on my credit score that I never gave my consent to

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: MO

Complaint narrative:
I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a Chase Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: MO

Complaint narrative:
I'm respectfully filing this complaint due to numerous of failed attempts in the removal of a XXXX  Card account opened on XXXX-14, in order to satisfy Section 611 ( 5 ) ( A ) of the FCRA. With all my formal requests I was never provided any verifiable documents that supports company 's claim ; therefore according to the above statue my dispute has merits and should promptly and immediately be deleted.

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 2018-02-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have two certificates of deposit with XXXX XXXX I have no credit cards, debit cards, not even an ATM card. On XX/XX/2018, I received a text message on my mobile phone, coming from address XXXX. 

" FreeMsg : XXXX XXXX. Your TJX Rewards Platinum Mastercard acct is past due. This is to collect a debt, info will be used for that purpose. Call XXXX or go to tjxrewards.com. To Opt out reply STOP. '' I checked the phone number shown and the website and these both belong to Synchrony. The card in question is a TJMaxx-branded card of Synchrony. 
Since there is no debt and the message is a fraud even though it is from a real bank, I blocked the number on my phone. Since then I have received 18 calls to my mobile from either the same Synchrony number shown above or from a blocked number, and an additional eight calls from XXXX. A XXXX search revealed that this is also a Synchrony number. I also learned that Synchrony, and its predecessor GE Financial, have been making harassing and phony calls from these numbers for years. 

Of the 26 calls I received, seven left the following identical message : " This is a message from  XXXX XXXX regarding TJX Rewards Platinum Mastercard. Please return our call to XXXX. For faster service visit our website at www.tjxrewards.com. Our mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX. Again please call XXXX. This is a recording. Thank you. '' I have tried to block the incoming number on my phone but the calls keep coming. The most recent was last night. As with the text, the website and telephone number shown belong to Synchrony. Additionally, the mailing address shown is a Synchrony address, minus the word " XXXX. '' Note 1. On XX/XX/XXXX I sent a letter to the President of Synchrony Financial, parent company of XXXX XXXX. 
Note 2. On a following screen I checked that the credit card has the same address as my home address ; I did this only because your computer would not let me proceed otherwise. I want to emphasize that there is no credit card, no account of any kind with Synchrony or TJMaxx to which I could possibly owe a debt. 
Note 3. The two certificates of deposit are held jointly with my wife. She has not received any communication from Synchrony so I'm not providing any identifying information for her.

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 2018-02-23 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: VANDERBILT MORTGAGE & FINANCE, INC
State: AR

Complaint narrative:
Credit inquiries from unknown sources

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 2018-02-23 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: General Motors Financial Company, Inc.
State: AR

Complaint narrative:
Credit inquiries from unknown sources

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Unauthorized credit inquiries on credit reporrs

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
Unauthorized credit inquiries on credit reporrs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-23 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Unauthorized credit inquiries

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 2018-02-23 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is a CHASE SLATE credit card opened by someone else under my name which i believe my identity was stolen while i traveling abroad. 

Chase Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief