vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: GREAT LAKES
State: MD

Complaint narrative:
XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX va for XXXX XXXX was offered to get there student loans forgiven because the lack of jobs XXXX promise is wasnt true we suffered from lack of employment and now theses loans are missing with me bettering myself with XXXX kids in my life and its not fair for me to struggle after I went to a school with broken promises and graduated on the deans list

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 2017-12-24 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:
I woke up this morning and had an alert from experian that XXXX had run my credit and placed an inquiry on my report today XX/XX/XXXX when in fact I never applied for a card. Please look into this and ask XXXX what the address was that was used. I did not ask XXXX to run my social. This is fraudulent.

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 2017-12-24 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: LA

Complaint narrative:
I woke up this morning and had an alert from XXXX that chase had run my credit and placed an inquiry on my report today XXXX when in fact I never applied for a card. Please look into this and ask chase what the address was that was used. I did not ask chase to run my social. This is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: TX

Complaint narrative:
Didnt receive prior notice of my right to Dispute this debt that is not owed as required by the law at least five days prior to a debt being added to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
OnXX/XX/XXXX my card was charged with a fraudulent charge of {$640.00} to XXXX for a hotel. My card was then frozen for security purposes. After 3 1/2 weeks of never receiving a new card, I called and requested a new card. They sent me a card with the same exact numbers ( including CVV number ). As of XX/XX/XXXX, the charge was still listed on my statement showing that my balance was {$910.00} including the fraudulent charge. I called ( for XXXX only knows how many times now ) on XX/XX/XXXX and they said that the charge would be removed within 24 hours. I specifically asked if that was 24 business hours, or 24 real hours, which they answered as 24 real hours. So, I went to pay my bill on XXXX and the charge was still there, but now my balance is {$1500.00} which means there are more fraudulent charges ( thanks to them not sending me a card with new numbers, therefore reactivating the old compromised numbers ) on the card, because as of XXXX the card was disabled ( again ) and I did not use it. I called onXX/XX/XXXX and they said that there was no one there able to help until Tuesday and that a new investigation would need to be reopened for 7-10 business days. I understand that it is a holiday weekend and that XXXX is tomorrow, but I have been fighting with them for 6 weeks almost and keep getting the runaround. I even asked if they could send someone an email to have them look into it on Tuesday, and they said no.. I can not continue spending hours every day on the phone with them In my honest opinion, I think they are trying to not eat the charge from XXXX as they keep telling me that it will be removed and it never gets removed. The bill is due soon and I will not pay the money, because then I KNOW I will never see that money come back. 

In addition, why did they send me a card with the same numbers and now have MORE fraudulent charges and now do not want to remove 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 non-monetary relief
Consumer complaint received 2017-12-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CBC Credit Services, Inc.
State: MI

Complaint narrative:
Company name : cbc credit services Accounts manager XXXX XXXX XXXX Multiple phone calls a week using different phone numbers Me- Blocked numbers Company- XXXX multiple letters a month then Typed a letter stating and I quote " somebody get ahold of me or we will have to take further collection action!! The choice is yours!!! '' ( Thats Threatening to me ) Me-felt threatened being unsure of what this person is capable of or what she means exactly and feel like pople are going to just come and try to tak my stuff from me for this medical debt Company- Listed 3 debts on the page XXXX XXXX XXXX XXXX :  {$120.00} and {$480.00} Then said " Other '' : XXXX Unprofessional to not add a full list when trying to collect i dont know what " other '' is and where 10,000 + dollars came from This company made me feel unsafe in my own domicile and unsure if my thinga wil just start being taken

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: AZ

Complaint narrative:
Equifax Executive Office previously permanently block the following account 3 years ago because the account dont belong to me, now they have put the account back on my credit report after they permanently blocked the account from my credit report. The following account is not my account : XXXX XXXX XXXX XXXX. The account is not mine and dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: AZ

Complaint narrative:
My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Ive started using Coinbase over two weeks ago as a way to start investing in crypto currency. I followed the steps on their website to set up my account and connected my checking account directly to their app ( as they recommended ). Ive made my first purchase on XXXX XXXX. As the delivery date stated XXXX of XXXX, I had no choice but to wait patiently until the funds clear. To my surprise, after a week of waiting, they cancelled 65 % of my investments claiming my bank is to blame. When I called my bank they said there were no issues or cancellations on their end so I contacted Coinbase again asking for an explanation. Customer service was non existent as I didnt get a reply to my emails ( yes multiple emails ). My bank account was charged for the rest of the transactions I made soon after but still no digital currency. Its now been 4 days since my digital currency was supposed to show up in my account and its still not there. I tried emailing again and still not a single reply! Ive tried reading about others who experience the same problem and was surprised to see how many people are on the same boat. Someone needs to hand it to Coinbase. Companies like that dont need to be in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

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 2017-12-24 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: AZ

Complaint narrative:
My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.

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 2017-12-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
After checking my credit report on XX/XX/XXXX I noticed that there was an open collection with Conserve that was reported sinceXX/XX/XXXX. I 've never had any communication with this company and there was never any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. 

Withholding Notices You are entitled to notices concerning the reporting, handling, and use of your credit information. Notice violations under the FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information I would like to file a complaint to have this reporting deleted from my credit report and I would like to have this company blocked from future reporting of this account. This company has performed unethical business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
my wife and I own three account with this bank for over three year. XXXX XXXX XXXX XXXX XXXX failed to accept us as good loyal customer. we guess it because both of our age on or about XX/XX/XXXXXXXX we request a credit increase of XXXX for XXXX for our grandkid and was denied why? just because of a credit score which in fact they cause the account was open inXX/XX/XXXX with a XXXX credit line with a income home of XXXX. and a mortgage payment of XXXX and XXXX XXXX equity in our home both car pay for and over a million dollar in assets and about XXXX XXXX in credit card per month payment but frist nation bank charge us a month XXXX interest on one card that they reduce for no reason at all. that card had a credit line XXXX and they reduce that line XXXX that drop the credit score about 32. that put any one into a high credit usage now with this card that we ask for an increase that usage is about 71 %. think it unfair for the bank to say that they are not discrimination, and what they are done tell you what you can do with out re-evaluate history as a paid customer. it wrong and unfair to denied a person credit increase for XXXX went you are take XXXX XXXX a month interest went that customer never being late. never failed on his schedule payment in a total 48 month on time ever month. that unfair and treat wrong in ever level of business particle for a bank that a customer have never not pay there month statement. I challenge XXXX XXXX XXXX XXXX to examine my and my wife payment history with this bank. and if you find any error in payment history please contact us and we will pay this account out and closed. that is for any account hold in my name. and for this bank to denied me a increase of XXXX to purchase XXXX  and with the payment history with bank I.am not an attorney but something is wrong with this picture.

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 2017-12-24 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: NY

Complaint narrative:
I am responding to the request from TransUnion to re-submit the complaint I sent through CFPB. The assigned case number is XXXX. Below was their response. 

After reviewing your complaint, our records show the information you disputed does not currently appear on your TransUnion credit report. The current mailing address you provided is not listed in our records. In order for TransUnion to process your request and to protect the private information in your credit report, please re-submit your complaint along with verification of your current address. Acceptable forms include copies of two of the following qualifying documents : current drivers license, State ID Card, Utility Bills, Bank or Credit Union Statement, letter from the Social Security administration, cancelled check, pay stub, stamped post office box receipt, bank or credit union statement. When providing proof the documents can not be older than two months. Under the guidelines of the Fair Credit Reporting Act, in order to assist you, please contact us : By phone : XXXX. Monday-Friday, XXXX XXXX  XXXX XXXX ET, by mail : XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX Please visit XXXX XXXX XXXX for frequently asked questions about your credit report. 

I have already mailed them the copy of my current drivers license and the bank statements over the last two months. I am re-submitting the complaint through CFPB as well.

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 2017-12-24 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal Credit Card was removed from my XXXX Credit Bureau report in XXXX. As of today this account is appearing on my report once again. I contacted the creditor Navy Federal Credit Union and they agreed to remove this account do to major discrepancy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
AN INVESTIGATION INTO THIS COMPANY WAS OPEN WITH EQUIFAX IN REFRENCE TO THIS UNVERIFIED ACCOUNT. THE COMPANY ALSO HAS BEEN NOTIFIED BY CERTIFIED MAIL AND HAS NOT YET REPSONDED. EQUIFAX AND THE ALLEGED CREDITOR IS REPORTING SAME ACCOUNTS TWICE WITH RESETING THE TIME AS FOR THE DISPUTE AND ACCOUNT AGE AS WELL TO DOUBLE REPORTING. WHILE IN INVESTIGATION. IM SURE EQUIFAX IS AWARE OF THESE VIOLATION. AS WELL THEY CONTINUR TO REPORT MY NAME WRONG FOR I HAVE SENT THEM INFORMATION REGUARDING MY TRUE IDENTITY, FOR I DO NOT HOLD AN SR,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I 've been dealing with this situation since XXXX. I 've negoiated and paid them, only to have them contrive fraudulent payment history. At one point, I over paid them and filed litigation in XXXX XXXX against more than 25 defendant, over half being " secrete '' insurance companies. After the first court hearing, OCWEN advised they would honor my Due Process rights as well as answer the mandatory 12 USC 2605. I dismissed without prejudice my case but the defendant FAILED to comply. 
The attorneys contrive fraudulent claims they are processing the MANDATORY QWR but fail to do so. Then every 6 months to a year, they file, WITHOUT NOTICE to myself, a new foreclosure action, hoping I 'll miss it and they can get the court to " Sneak it '' thru the system will violating 12 USC 2605 and blocking me from ID litigation parties and filing a lawsuit against the proper parties instead of more than 25 defendants, unless all 25 defendants are guilty.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. The accounts are fraudulent and dont belong to 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 2017-12-24 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: AZ

Complaint narrative:
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. The accounts are fraudulent and dont belong to 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 non-monetary relief
Consumer complaint received 2017-12-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I filed a dispute a while back ( XX/XX/XXXX ), and another one before that ( XX/XX/XXXX ), regarding a hard enquiry ( XXXX XXXX ), that was place don my CR and I did not authorize a credit application to be submitted in my name with XXXX XXXX. I filed a complaint with XXXX XXXX, and with Equifax, and with CFPB, and nothing has been done to have the unauthorized enquiry removed from my credit report. I received a letter to date, dated XX/XX/XXXX, from Equifax showing no changes were made ( no explanation given ), and I received a letter from XXXX XXXX Dated XX/XX/XXXX stating that Equifax had been requested to remove the enquiry from my report, by the creditor, and that it would take 4-6 weeks to do so, but Equifax has not removed the enquiry, and XXXX XXXX states in the letter that it does not control the conduct of the credit bureau in removal of the enquiry, so apparently it is Equifax not removing it. I want it removed as it has lowered my credit score and will be on the credit report until XXXX of XX/XX/XXXXif it is n't removed. I have included a letter from XXXX XXXX, as well as an updated letter from Equifax that shows nothing has been done in accordance with XXXX XXXX request to remove unauthorized hard enquiry from my credit report, as it has lowered my FICO score as a result. Why do I have to continually ask that my request be honored? I have been trying to get Equifax to remove the item in questions for some time now. I 'm fixing to file suit in Federal court against all those responsible for not doing what is suppose to be done regarding this issue.

Company response to consumer: Closed with explanation