vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 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: CITIBANK, N.A.
State: OR

Complaint narrative:
I noticed a hard inquiry on my XXXX credit report. It was from XXXX on XXXX XXXX, 2017 for what XXXX identifies as Bank Credit Cards. This is their address and phone number : XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX. 

I have spoken with Citibank 's fraud department asking why I have a hard inquiry from them and they told me someone tried to open a credit card account. They have given me the run around and will not remove the inquiry.

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 2017-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Since Capital One took over XXXX XXXX I can no longer access my account online. I closed this account years ago but I still have a balance and continue to make automatic payments every month and got an online statement and notification via email when my payment was due and the payment amount due. about two months ago I stopped getting notifications so I tried to log into my account and could n't get access. There was a notice on line that I had to re-authorize my account since the take over. When I tried to do this I had to enter my account number which I did not have since I destroyed my card when I closed the account. I contacted customer service to get my account number and was told they could not give me the account number and that 's the only way I could re-authorize my account. So without the account number I could n't do anything. On my statement that I now receive instead of receiving on line, it only shows the last four digits of my account number ( XXXX ). My payments automatically post on the XXXX of the month and this month it did not post until the XXXX so I called Capital One to see why the payment did n't post till the XXXX and again to see if I could get access to my account. I was told that they no longer allow access to closed accounts on line. I asked them how I can check my balance to make sure my payments go through and to monitor my account and they told me I will now get a paper statement every month. They is fine except if something goes wrong I will not know it until the end of the month. Since I have had problems with other accounts being hacked I check all of my credit cards, debit card and bank accounts activity at least weekly to ensure that I 'm not getting hacked again. Without online access to my Capital One account I can no longer check. Can Capital One legally refuse to give me online access to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AL

Complaint narrative:
I purchased {$660.00} of Buy coin on XX/XX/XXXX. On XX/XX/XXXX they canceled my order. As of XX/XX/XXXX I have not received any bit coins or my money back. 

I can not get anyone to respond via phone, email or any of the 3 social media accounts owned by bitcoin. Because of this I am treating this as a fraudulent case, I feel I have been stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my XXXX XXXX was totaled On XX/XX/XXXX XXXX insurance sent in {$4300.00} ( this did not pay off the loan ) XX/XX/XXXX GAP paid {$4300.00} ( this did not pay the loan off ) My complaint is : When I called the automated system for Santander USA, In XX/XX/XXXX., the automated system stated my next payment due date was in XX/XX/XXXX. Not knowing I would accumulate additional interest during XX/XX/XXXX-XX/XX/XXXX, I payed the next payment in the amount of {$2000.00} on XX/XX/XXXX. In XX/XX/XXXX, when I called their automated system it stated, my next payment was due in XX/XX/XXXX. When I paid the payment in XX/XX/XXXX, it was n't until then I realized I owed more money on the loan than before I paid the $ XXXX payment and the insurance/gap payments. My issue is the Santander system allocation, AND their automated system literally gives consumers a deceptive, artificial, and miss-leading 'NEXT ' due date. Why would anyone wait just to pay more interest and owe more on a loan, on purpose, after significant lump sum payments were made to reduce the loan? That makes no sense. Santander needs to change their automated deceptive and miss-leading system and provide the consumer with the 'REAL ' next due date, which would be on the regular monthly payment date in the NEXT month, not several months down the road, which leads the consumer to an artificial due date, then we are shocked we end up owing more money. The allocation of lump sum payments apparently triggers this deceptive date WITHOUT an explanation, that paying the loan at THE FUTURE DATE PROVIDED BY THEIR SYSTEM, will actually cause the loan to increase. 
I am requesting a minimum refund of {$990.00} paid in accumulated duplicitous interest. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: NJ

Complaint narrative:
Report reflects as XXXX XXXX XXXX as 30-60 days late numerous times. Never late.

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 2017-12-05 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: NJ

Complaint narrative:
Report reflects as XXXX XXXX XXXX as 30-60 days late numerous times. Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have a mortgage with Suntrust. On XXXX XXXX, 2017,  Hurricane Irma destroyed part of my property. The insurance company sent out an adjuster who gave me a check to get it repaired. Because I have a mortgage with Suntrust, I had to send the check to Suntrust Loss Draft Dept. Suntrust Loss Draft Dept also required I send copies of 1. the insurance adjustor 's estimate of damage 2. the contract I have with my builder who will be repairing the damage 3. the builder 's license 4. a waiver of lien from the builder 5. the builder 's XXXX form. 

All these forms were sent to Suntrust Loss Draft Dept,  some of them multiple times at Suntrust 's request. 

I am tired of waiting for Suntrust Loss Draft Dept to release my money to fix the damage. It 's been over four weeks now since I first submitted the forms to Suntrust. 

In my opinion, Suntrust is doing everything it can to hold onto my money. I have talked to the Loss Draft Dept on the phone numerous times already. What more can I do?

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 2017-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Bank sent me a letter in XX/XX/XXXX stating we are closing all your credit card accounts. I have called them many times to find out why and all they say is we decided to close your accounts but we can not give you the reason why we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Equitable Acceptance Corp
State: FL

Complaint narrative:
I was called by someone from a company called XXXX XXXX claiming to be working with the department of education. They told me that through Obama Student Loan forgiveness they could freeze my student loans, guide me through reducing my monthly payments and ultimately get me a $ XXXX monthly payment, but I would have to work with another company ( Equitable Acceptance ) to monitor and/or help me through this process. I was told that this company charges about {$1300.00} for me to get this help. Payments would be broken down to $ XXXX/month and that I would need to make my first payment upfront before they could begin their processes. They then told me they needed my FSA ID and made me confirm my challenge questions. The result I was promised was that after the 3 years that {$1300.00} would be paid off and my students loans would then be forgiven. I was nave enough to believe all this and I agreed to the terms. My student loans were never frozen and this company has been continued to charge me monthly. I have not heard anything from them at all and not received any guidance on helping me with my student loans at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc.
State: SC

Complaint narrative:
I sent a Validation letter to XXXX XXXX on XXXX XXXX, 2017, to Verify that this debt is my debit. I waited 30 days to see if they would send a response to my letter. I waited 30 days and they still have n't replied to my request. I have attached proof that they received the letter I sent to them certified. I have attached the proof that they received my letter as well as a copy of the letter that sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: TX

Complaint narrative:
I ran my credit report and found that I had a collection account on my report for XXXX. I called XXXX because I did not have a bill that was missed or not paid and XXXX confirmed this. I called the debt collection agency and asked about the debt and requested the debt validation paperwork within 30 days. The company did not respond. I called back months later and the company is still saying I owe the debt. They are calling all of my family members and leaving messages that I am in legal trouble. They never sent me the debt validation paperwork upon receiving the debt. They continue to harass me and my family through phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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:
Dear TransUnion, i received a copy of my credit report which showed Inquiries & inquiries i didnt not authorize. You have been reporting inaccurate information on my credit for sometime now. I have contacted XXXX and filed a complaint, contacted the state attorneys office and filed legal documents in defense of my credit being used without my consent. You are liable for all the damage thats has been caused with the inaccuracies I have found on my credit report and will pay the consequences once the investigators are done investigating this situation on credit fraud. I have been advised by my lawyer not to contact you or any contact what so ever. This is was my final warning and goodwill letter of dispute and affidavit to remove the inaccurate information you place on my credit file. I understand and I am aware that you should not put an inquiry on my file unless i have approved it, gave you any consent which I didnt. 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. This has been my 10th time contacting your department, Ive sent in the certified letters and information but the creditor and credit bureaus continue to ignore my request. Youve violated me and my rights. 

List fraudulent inquiries & accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX. FI XXXX Cars 5. XXXX XXXX 6. XXXX Bank 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. Capio 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX 15. XXXXl 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. 

XXXX 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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I reached out to Experian on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit report refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. 


XXXX XXXX XXXX XXXX, IL 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 2017-12-05 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: NC

Complaint narrative:
Back in XX/XX/XXXX my credit report showed a inquiry from XXXX XXXX. I never applied or ordered anything from them. I called them and XX/XX/XXXX they sent me a letter stating they sent a letter to all 3 bureaus to remove it. I faxed Equifax a copy of the letter to the dispute department and I disputed it online. I contacted them several times and they never removed it. So I filed a complaint with you all. I have been working with XXXX XXXX, Trade Practice Specialist Better Business Bureau Serving Metro XXXX , XXXX & XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX is not attempting to solve my problem. This has been going on Since XX/XX/XXXX. I spoke with XXXX again They said they sent and update 3 times to have this inquiry removed from my credit report. I spoke with Equifax and they said they do not remove inquires. I am very angry. this should not be on my report if it does not belong to me. I have never applied with XXXX or ordered anything from them. So why should this be on my report? Again I inquired about this in XX/XX/XXXX. I got this email Complaint ID # : XXXX Business Name : Equifax , Inc. You recently requested our help concerning a problem with the company named above. The company has not responded to BBB to date. If you have heard from the company please contact our office using the link provided or return this letter via mail. XXXX Please use the following to log in : Case ID : XXXX Password : XXXX Sincerely, XXXX XXXX XXXX Trade Practice Specialist. Sent me another email saying You only filed your complaint in XX/XX/XXXX, it is with Equifax now and as soon as we get a response it will be forwarded to you. It should not take this long to investigate something that does not even belong to me. Your attention in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I reached out to Equifax on several different occasions and told them that the address that 's on my credit file does n't belong to me. Credit Bureau refuses to remove it. I have never lived at that address. I was told by their representative I had a mixed credit file and the address will be moved a year later it 's still on there. XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: AFNI INC.
State: TN

Complaint narrative:
Roughly XXXX XXXX 2017 XXXX tried to charge me for breaking a contract. I contacted them and told them I did not sign a new two year contract. They insisted I did. I then asked for documentation showing this " alleged '' contract where I was informed I had done it over the phone. I then asked for verification. I said since you state that all calls are recorded and monitored I would like a copy of my call and was told no. I never received any service and REFUSE to pay for something I never signed up for. Since then they have placed my account in collections. I then contacted both XXXX XXXX and XXXX where I was told it would be disputed. I was sent a letter and absolutely nothing was done. I called again to ask why and they had no answer. I do n't know what I can do because this is effecting my life where I was turned down for mortgage. Please help. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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:
Dear XXXX, i received a copy of my credit report which showed Inquiries & inquiries i didnt not authorize. You have been reporting inaccurate information on my credit for sometime now. I have contacted FTC and filed a complaint, contacted the state attorneys office and filed legal documents in defense of my credit being used without my consent. You are liable for all the damage thats has been caused with the inaccuracies I have found on my credit report and will pay the consequences once the investigators are done investigating this situation on credit fraud. I have been advised by my lawyer not to contact you or any contact what so ever. This is was my final warning and goodwill letter of dispute and affidavit to remove the inaccurate information you place on my credit file. I understand and I am aware that you should not put an inquiry on my file unless i have approved it, gave you any consent which I didnt. 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. This has been my 10th time contacting your department, Ive sent in the certified letters and information but the creditor and credit bureaus continue to ignore my request. Youve violated me and my rights. 

List fraudulent inquiries & accounts : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX 13. XXXX XXXX XXXX 14. XXXX XXXX 15.  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