vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-31 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: LA

Complaint narrative:
RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX  XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX   XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( 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 2018-03-31 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: AL

Complaint narrative:
I had an issue with XXXX XXXX wrongfully reporting that an account had been settled with them was listed as " Settled - Less Than Full Balance '' incorrectly causing my credit score to be lowered. TransUnion removed this notation from my credit report ; however, it seems that XXXX XXXX has returned it to my credit report. I am asking TransUnion to once again remove this notation from my credit report, and if possible stop XXXX XXXX from reporting on my credit, as the account in considered closed. My previous XXXX XXXX is XXXX for reference.

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 2018-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
on XX/XX/XXXX there were unauthorized charges on my American Express serve card, upon noticing these charges I immediately called to have the card shut off and dispute the transactions. After a few weeks without a response and after calling to inquire many times, on XX/XX/XXXX I filed a complaint with the CFPB. In retaliation for my complaint on XX/XX/XXXX American Express denied my dispute. They gave no reason to deny my dispute other than in response to my complaint. This is entirely the fault of American Express because they haven't chip enabled their cards so my number was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX CHASE placed inquirys on my XXXX and XXXX  reports even while there is a fraud report and police in place I have contact chase thru mail and was sent a letter saying they were to be removed, to date none have been removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 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:
I am filing a complaint against XXXX regarding a series of unauthorized hard inquiries that this company run on my credit report, without my consent or permission. This suspicious activity is additionally alarming as I am not a XXXX customer, nor have I been shopping for XXXX service. Having been the victim of identity theft within the last 2 years, I am deeply concerned that these inquiries may be a sign of credit fraud. These hard inquires negatively impact my credit score and stay on my report for up to 2 years. TransUnion informed me that two unauthorized inquiries were run by XXXX within about 2 weeks of each other, the second one occurring after I had placed a fraud alert on my credit report ( which supposedly requires companies to verify a consumer 's identity before running a report - XXXX did not follow this security protocol ). The first hard inquiry occurred on XX/XX/18, the second on XX/XX/18. Because of this unauthorized activity on my credit report, I've had to place a security freeze ( cost : {$10.00} ) on my credit report so as to prevent XXXX from running further unauthorized reports. Upon calling XXXX ( and speaking with their highest level of customer service ), I was informed that they could not do anything about the unauthorized activity, nor prevent future occurrences ; they provided little help or guidance. I have spent hours speaking with reps from XXXX and have gotten nowhere. TransUnion requires a documented complaint from the BBB in order to fully investigate this unauthorized credit activity and remove the hard inquiries from my file. My TransUnion complaint ID is 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 2018-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I previously tried to remove my bank account to my PayPal account because of overdraft fees that had occurred from billing payments i didn't request. When I tried I received an error message saying this is unavailable right now. It happened again yesterday where they tried to charge that account twice and I incurred {$30.00} overdraft fee each instance. When I called PayPal to get my bank account removes the lady informed me that she could easily do that for me and that that happens a lot when people try to remove their Account online. I requested that PayPal cover my overdraft fees since my bank wont refunds it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through XXXX XXXX that I am not under any obligation to pay this company. This company is illegally demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A couple use ago my information was stolen and a person was depositing fraud checks in my account and withdrawing i made a complaint about it when i found out because of this i am unable to open an account or even take a loan out because of this.

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 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
Opened on XX/XX/2017. Amount owed is {$1400.00}. XXXX XXXX XXXX. I have not been provided service from this company. I have signed no contracts with this company. I am not nor have I ever been affiliated with this company. I am under zero legal obligation to this company. This company is demanding I owe them {$1400.00}. This company is infringing on my unaliable rights to life, liberty and the pursuit of happiness. I have submitted multiple disputes to this company through credit karma that I am not under any obligation to pay this company. This company is illegally demanding payment.

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 2018-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jet Lending Inc.
State: NY

Complaint narrative:
I looked up my credit history and it shows jet Lending is destroying credit stating i borrowed money from them in 2011 this is false my information was stolen and i did not get a loan

Company response to consumer: Untimely response
Consumer complaint received 2018-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
I am the victim of predatory lending. Loan is owned by XXXX XXXX XXXX XXXX XXXX  Mortgage Loan Asset Backed Certificates, Series 2006 AHL1. Purchased home in XX/XX/XXXX. Mortgage crisis and recession caused reduction in income as a small business owner. Got XXXX loan from XXXX  and XXXXXXXX loan from XXXX  to purchase a XXXX family home on less than one fourth acre of land. Interest rate was 7.99 ARM and XXXX  per month. Entered Forbearance Agreement with XXXX and paid XXXX, then paid XXXX for 5 months. Offered a loan mod with fixed 2 percent. XXXX   loan was charged off. Servicer XXXX XXXX XXXX increased 2 percent fixed to 7.99 ARM., charged late fees, and reported late payments and default to credit bureaus until XX/XX/XXXX when Nationstar became servicer. Nationstar refused to take payments to cure and charged late fees, inspection fees, etc. to increase costs. Nationstar threatened foreclosure unless enter into loan mod which required payment of XXXX, 2 percent interest only payments for two years then interest rate returns to 7.99 ARM. Requested rescission. Nationstar returned payments, forwarded a loan mod signed by an assistant secretary and instituted foreclosure. I questioned payment history. Four delinquent payments went to 10, then in one month increased to 51. The default grew with late charges, interest, attorney fees, inspection fees, etc. Foreclosure started. Filed bankruptcy to stop the sheriff sale. Nationstar appraised home at XXXX and provided credit score of XXXX  since XXXX, XXXX XXXX XXXX, Nationstar reporting delinquencies due to foreclosure actions since XX/XX/XXXX. Nationstar required trial payments at XXXX for 3 months before modification. Missed court due to Family emergency. Case dismissed so stopped payments until case was reinstated. Made up missed payments but Nationstar did not receive a payment before the end of the month so it rescinded the trial period plan under its standard modification program and said I defaulted. Nationstar told XXXX  it was going to offer XXXX as P and I payment but for the default. The court ordered application for mod under its loss mitigation program. I resubmitted application with XXXX 's help. In XX/XX/XXXX paid XXXX  for adequate protection payments until Court increased payment to XXXX a montMr. Cooper offered Trial Period Plan under Alternative Modification Program requiring three payments of XXXX before a permanent loan mod. Mr. Cooper reports interest bearing unpaid principal balance post mod is XXXX and will forebear XXXX. Payments are XXXX, home worth XXXX but owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
I agreed with portfolio recovery associates to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Alliance Financial, LLC
State: IN

Complaint narrative:
I agreed with XXXX XXXX XXXX to settle my debt and have it removed from my credit report for XXXX dollars and they left a balance on my credit report for XXXX. 
Totally illegal

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 2018-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Shellpoint Mortgage servicing company is refusing to drop PMI even though my LTV is 77.71 %. They send me a letter demanding I get an appraisal for {$400.00} before they would drop the PMI payment in addition to several other conditions. 
I could be wrong, but when I look at the law, when you are below 78 % the PMI supposed to be dropped automatically. If that is true, I would greatly appreciate not being charged for something I do not need. 

Regards, XXXX 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 2018-03-31 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: FL

Complaint narrative:
I have contacted this company several times regarding the discharge of these loans as they were taken out by a school that have been closed for fraudulent activity. I now a ridiculous amount of student loan debt with no degree form a for profit school that should of never been allowed to operate in the first place. Every time I call no one can help me or they direct me to their website which does not have the information I need. To make matters worse my payments have now doubled ( without notice ) and my loan balance have gone up XXXX in less than 2 months. How is this possible? I see now why you guys are being sued. This is a scam and its disgusting how you are praying on people who were only trying to better their lives by getting an education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES
State: AZ

Complaint narrative:
Great Lakes has not informed us appropriately about how income-driven payment options would allocate monthly payments for my wifes student loans. My wife has been enrolled in income-based and/or income-driven plans for student loans. We made {$1000.00} monthly payment for first year and than increased payment to {$1800.00} monthly in second year. Almost all of our payments were allocated to the interest, esp graduate plus loan payments. Therefore, our total loan payments increased by at least $ 18-20K since she graduated from the XXXX school. I have personally called them many times to pay the loan amounts in a greater portion to reduce the principal amount. During those calls, they never discussed about how we can pay on monthly basis to reduce the principal amount. It seems that greatlakes failed to discuss the minimum amount needed beyond the {$1800.00} we have been paying to reduce the principal amount. Therefore, providing very poor customer service, not looking into the best interest of the borrowers, pushing the borrowers into more debt amount. This is very unethical way of doing business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
The business name is Coinbase, they proclaim themselves as financial services company. Coinbase is a trading platform for digital currency. OnXX/XX/XXXX I have opened an account at Coinbase, that process included identity check by faxing over my driver 's license and a picture of me. On XX/XX/XXXX I have purchased {$7000.00} worth of digital currency on Coinbase in the intent to sell it once it gains value. This company says on their site that they will not grant an access to the account if a person tries to log in to it from a restricted country ( XXXX ), however the access will be granted as soon as the person tries to log in to the account from non sanctioned country. On XX/XX/XXXX I was in transition in XXXX  ( XXXX ) airport and had an emergency happen, so I tried to look at my account at Coinbase to see how much money I could withdraw from it once I'm back on US soil. Understandably I was not able to log into the account because I was on sanctioned by the US politicians land. On XX/XX/XXXX I came back to the US and wanted to sell my assets from the Coinbase, however my account was locked. I called Coinbase about the problem and they told me to send an email to their support to unlock my account. I sent an email right away telling them to unlock my account. Im writing this email on XX/XX/XXXX and still response from Coinbase support. I call them every day for the past two weeks and their response that I need to send an email. The assets in my account have decreased by 70 % due to this fraudulent business.

First, my account shouldn't have been locked based on the information provided from Coinbase.

Second, I did not receive any response about my concern.

Third, the assets that I needed to sell onXX/XX/XXXX have decreased by 70 % which is a great financial burden on me and my family.

Fourth, there is no one at Coinbase wants to help me, I'm just stuck.

please investigate this fraudulent business and turn it in to the authorities so that there aren't others who get scammed by it.

Thank you, you may reach me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have been in contact with XXXX XXXX XXXX agency within the past couple of months. About an Account on my credit profile that was fraudulently open. And I've asked them to remove this from my credit profile and they have not. This is for a XXXX phone account in which I never open nor did I give any other person authorization to open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
BRIDGECREST FORMERLY XXXX  XXXX XXXX XXXX XXXX, AZ XXXX  ( XXXX ) XXXX XXXX  is reaging my account. On my credit report it shows that I made a payment on XX/XX/XXXX. After submitting a dispute to the credit bureaus on XX/XX/XXXX and providing proof from my bank statements showing that no payment was made, they advised that I would need to take this up with the agency.

I have sent them certified letters on XX/XX/XXXX and XX/XX/XXXXin regard to validating the debt ; no has responded to me or the letters come back because the XXXX that they advise me to send this to is not a valid address.

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 2018-03-31 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: WI

Complaint narrative:
Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-31 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: WI

Complaint narrative:
Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX  have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.

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