vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hello, I submitted a written request by mail for Experieran, XXXX, and XXXX credit Bureaus to send me copies of the documents that the company has used to verify the accuracy of the account as a public record. I have been dealing with XXXX, XXXX, and Experieran over a year, and they have not looked into my credit report. I have sent muiltiple verification and follow up letters, and it comes back verified that the three credit Bureaus have not sent in any verifying documents to show where the information is involving the Bankruptcy. I received a letter back from Experian on XX/XX/18 stating that they previously processed the dispute, and verified its accuracy without sending me any verifying documents back. On my first follow up letter I sent off to Experieran, I stated " Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature '' " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report '' As I've stated above, the Experian credit Bureau did not provide me with any verifying documentations.

My credit is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error on all three reporting Credit Bureaus, XXXX, Experian, and XXXX. Thanks so much for looking into this important matter.

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 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Insikt, Inc.
State: AZ

Complaint narrative:
I responded to an offer thru XXXX XXXX or XXXX XXXX. The offer was thru XXXX. The site offered a pre approval, and I submitted the pre approval for {$2500.00}. The site told me I was pre approved and asked for all my personal information. After submitting my personal information including my bank login and password. they told me I was only approved for XXXX. This is completely misleading! If they would have told me I was only approved for the XXXX I would have declined to proceed with a credit check. I want that credit inquiry removed and the company investigated for fraudulent business practices. This company completely mislead me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I joined Coinbase in XX/XX/XXXX. Things were going fine until my Coinbase accout XXXX was hacked. I had coinbase place a freeze on that account immediately butbthe hackers had already stolen my funds. I also had a second account XXXX which I believed may have also been hacked. I found out two days later that was not the case and to please reopen my XXXXXXXX XXXX XXXX account for trading and transferring my fund into my attached bank accounts. As I stated the theft took place in XX/XX/XXXX. By the middle of XXXX I still had heard no response to my requests to open. Finally at the end of XXXX I was told that I was able to use my XXXXXXXX XXXX XXXX account. All was well until I received a notification of suspicious activity in my account and my account was again unable to place buys or deposits. I was told this should take 24/48 hours to investigate and return my account. Once again I was placed on a cycle on neverending unanswered emails until I finally got so frustrated I typed a letter to the privacy/disputes department. I received an email from XXXX who had gone through all my documents and agreed this had gone on long enough and he was personally going to make sure my account was escalated to the proper authorities for an explanation of what was going on in my account. Finally on XX/XX/XXXX I received an email from Coinbase support that they had reviewed my account and were reinstating it. I made two {$50.00} transactions of bitcoin and ethereum, paid for them with my XXXX debit card and everything seemed fine. The next day I attempted to make another small trade and my account once again had been closed to buys or deposits. When I emailed for an explanation I was told my account was not eligible for a review at this time and Coinbase could provide me with no further explanations. I sent a second letter to the privacy/disputes department on XXXX XXXX and have had no response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I have contacted Chase XXXX first asked them to opt me out of increase of APR from increasing. They denied me. Then I asked them to help me decreasing my APR, while I try to save my mom 's life from XXXX, and they are not able to assist me. Chase wants me to go past due before they will help me. I told chase I am going to XXXX to say good bye to my mom, and coming back to refinance my house to pay them off, and they can care less. They want dings on my credit, so I can be denied my refinance. They are going to force me to file for bankruptcy and I DO NOT want to do this. Please help me during this struggling time. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I responded to a XXXX ad to buy 3 XXXX concert tickets on XX/XX/22, the day of the concert. After some text message correspondence the seller and I agreed on 3 tickets for {$320.00}. I agreed to make the payment via XXXX and to receive the tickets through our XXXX account. The seller called me to walk me through transferring the money from my XXXX account to his, he seemed pleasant and helpful. He was on the phone with me until I confirmed the funds were transferred and he had me email him a screen shot that the transaction was completed. The minute he got the email confirmation from me he hung up and ignored my calls and emails. I called him from a different phone number and he answered but hung up as soon as I told him who I was. I called XXXX XXXX within 5 minutes of making the payment and they advised there was nothing they could do. I then called the local sheriff and they sent an officer to take my report. The officer said there was nothing they could do. I cant believe XXXX XXXX would allow this type of service to be used through their banking sites. XXXX has no protection for consumers and makes it easy for scammers to take advantage. I trusted my bank and I feel violated because XXXX XXXX offered the XXXX service directly from their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
I was approved for a {$400.00} installment loan on or about XX/XX/18. The money was transferred to my bank and received on XX/XX/18. 

I have made XXXX payments of {$100.00} towards the loan, totaling {$760.00}. The last payment made on XX/XX/18. 

On XX/XX/18, I called for the pay-off amount and the supervisor I spoke with stated I owe {$360.00} ish dollars. 

On XX/XX/18, I logged into the website, my account balance is {$360.00} and is considered " past due. '' Based on the verbal conversation on XX/XX/18, the supervisor revoked ach authorization and placed the account in collections status. 

I have never received documents in the mail and/or email from this company, just the {$400.00} debit to my account. 

They operate using unfair and deceptive or abusive acts and practices. Ridiculous interest. Please conduct a review.

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 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I responded to an offer thru XXXX XXXX or XXXX XXXX. The offer was thru XXXX. The site offered a pre approval, and I submitted the pre approval for {$2500.00}. The site told me I was pre approved and asked for all my personal information. After submitting my personal information including my bank login and password. they told me I was only approved for XXXX. This is completely misleading! If they would have told me I was only approved for the XXXX I would have declined to proceed with a credit check. I want that credit inquiry removed and the company investigated for fraudulent business practices. This company completely mislead me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I called TransUnion I was victim of there Inquiry Issue and customer service would not take care of it. 

XXXXXXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX  XXXX   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 2018-09-22 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: IL

Complaint narrative:
After going thru hardship due to identity theft and deceptive practices as reported to the Federal Trade Commission and my local police attached. I contacted XXXX XXXX to pay my standing debt off as good faith. I've spoke to a representative regarding payment in return for deletion of negative rating on the 3 credit reporting bureaus. which was agree so on XX/XX/XXXX i paid full balance owed. however i undergone Double Enrichment because as stated by XXXX XXXX on my account I've made payment after charge off / collection settled. also discover has failed to report accurate balance i ask for verification of all bills, a physical signed agreement contract baring my signature and proof of my photo I.D . although in good faith to clear my name and credit reputation the bill has been in fact paid in full by me all I've asked XXXX XXXX is to deleted this negative mark from my credit as agreed when payment was given. even after I've tried multiple time to write good will letter explaining my hardship due to identity theft yet nothing has been resolved. I was told by the Federal Trade Commission to submit proof to all potential affected creditors a copy as proof i was in fact a victim of Identity Theft and Deceptive practices. i think that its unfair that XXXX XXXX can hold a honest XXXX, XXXX Veteran, Father, citizen and Consumer back from achieving good credit rating to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I disputed a charge of {$250.00} which was charged on XX/XX/XXXX from a vendor ( XXXX ) that did not perform and present a website accordingly and in a TIMELY MANNER. After not receiving a well put together website with a few days as promised, I requested cancellation of the entire service. They said I didn't but I did via phone conversation and email request. I told them not to proceed I was not happy with the " ugly '' website. It was terrible and I had to keep asking " why isn't the site up and running. '' ( See attached ) I provided proof, email conversations, and dates of the transaction and conversations to Capital One who decided to deny my dispute because I did not provide A SECOND OPINION from another company who knew nothing about this transaction. Not only did they deny the dispute but they took their own good time responding ; two representatives call on two separate occasions and neither one followed through with the dispute without saying they don't see my documents. I was asked on three different occasions to send my proof, when I had already done so as requested by their deadline. They said they didn't see it when I had confirmation of the email. On XX/XX/XXXX, XXXX wrote to Capital One that they see the " charge back of the funds, as FRAUD. This of course was a lie. They just didn't want to give me back my money after not performing. I have never in my life had a company ask for a " second opinion '' from another business who is not involved with a dispute. I had no clue who to involved in this. I felt this to be very UNFAIR to me as a card holder who paid my account on time and who cherished that fact that I was granted the account. I am very insulted and feel as though I'm being discriminated against regarding this matter. Capital One refused to value my opinion as though I was lying about everything. I told Capital One on multiple occasions that I WILL NOT BE PAYING FOR THAT CHARGE and now they have added 2 late fees taking the balance up to {$340.00} and they have reported me as being two months late which has cause a decrease in my improving credit score. I had my scores close to XXXX, I have been working diligently to improve my credit and clean up my credit and now this. I have warned them that I will continue to dispute this and I refuse to be a victim of such a request of asking a " second opinion '' for proof that a vendor did not perform. Yes I was paying for and agreeing to service that I did not receive according to their time frame. Please see the dates that I told them I didn't see any website up and running and the message stating on XX/XX/XXXX ADMITTING THE SITE WAS NOT LIVE. It was supposed to take only 3-4 days which DID NOT HAPPEN. If needed I have ALL EMAILS regarding this transaction with the vendor. Thanks for your help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Visited XXXX XXXX on XX/XX/XXXX to obtain estimates on a new car lease. Spoke to a sales rep who said hes unable to give a monthly estimate without a credit check. After speaking with him and a supervisor, we agreed to a soft inquiry. I told both of them multiple times that I do not want a hard inquiry on my credit report. The supervisor said he understood and went back to his office to get eatimates. A few minutes after, I received an alert that theres been a hard inquiry. I called XXXX XXXX a week after to sort it out. One of the managers said he will send a letter to XXXX regarding them running my credit score by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My primary complaint involves Equifax Information Services, LLC ( The Consumer Credit Bureau ). As a resident of XXXX, GA, the home of Equifax, I have extensive experience with the company. They have always been extremely difficult to reach by phone, very slow to process fraud and identity theft disputes, the last of the 3 major credit bureaus to update information in my credit file, and, as a verified victim of the massive and criminal data breech, I have been treated extremely unprofessionally and dispassionately every time I seek their assistance. My strongest desire is that this negligent, unprofessional, vulnerable company should not and can not be trusted with my sensitive financial information or anyone else due to the damage they have directly effected my credit profile and fair ability to thrive in life and business. Recently, I was a victim of fraud involving the purchase of over {$7500.00} of counterfeit sports collectibles affecting my 3 credit cards with XXXX XXXX XXXX XXXX. I filed a fraud claim for every item purchased involving each of the 3 credit cards. I was first issued new cards and my old were destroyed. After submitting substantial evidence, I received a preliminary credit from XXXX. Equifax still reports these accounts as valid even though they have been determined to be fraud. More details are included in attached documents supporting this statement. The bottom line is, I need assistance to correct the inaccurate and damaging information from each XXXX credit card deemed fraudulent, as the other credit bureaus have already done, and to guide me in pursuit of legal Federal actions for the harm Equifax has done to my financial position and emotional/physical health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC.
State: VT

Complaint narrative:
This loan was consolidated with Department of Education / XXXX  on  XX/XX/XXXX, and XXXX/Suntrust/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/Suntrust continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/Suntrust/XXXX XXXX multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/Suntrust have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending 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 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I learned about the new law allowing free freezing of credit file with Equifax, XXXX, and XXXX. I applied online and froze my report with XXXX   and XXXX with no issue. However, I was not able to do so with Equifax. Neither the online system nor the automated telephone system allowed me to proceed after I entered the required information - the SSN and residence address. No human support is available on a weekend, only the aforementioned automated system. I will be calling them again on Monday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I was declined credit due to a an unpaid balance, as I was not aware of any unpaid balances I ran my annual credit report. I found this on my report : I C SYSTEM INC Potentially Negative potentially negative icon show account button Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$8600.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$8600.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX This is for someone else entirely, I've never used XXXX, I've actually had a company paid phone since XXXX, and it's with XXXX XXXX. In addition, I've used XXXX XXXX ( now XXXX ) for internet since I've had internet.

I have over 7 lines of credit going back 7 years and not one late  payment, and I typically pay my full balance unless it's during a promotional zero interest period. 

Please let me know what to do as this is VERY unsettling. Thank you SO much! 

XXXX 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