vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-26 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: FL

Complaint narrative:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported :XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-01-26 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: FL

Complaint narrative:
Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased 2 XXXX gift cards issued by U.S. Bank worth {$200.00} each from XXXX in XXXX, WA. 

I attempted to use them on XX/XX/XXXX, but found one gift card had a fraudulent charge of {$180.00} at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The other gift card had a fraudulent charge of {$190.00} also at XXXX XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. The cards were in my possession in XXXX at the time ( and I still have the cards ). 

After calling the customer service phone number on the card, I wrote and faxed a dispute letter and filed a stolen card claim on XX/XX/XXXX to the U.S. Bank dispute department at XXXX. 

I received a response letter and a new card on XX/XX/XXXX. After returning the information, U.S. Bank claimed I did not dispute the charge within a 4-month timeframe despite already acknowledging the dispute on XX/XX/XXXX ( 3 months after the XX/XX/XXXX charge ). 

It is now claiming it can not help me despite my complying with all of their requests in a timely manner. It seems like this is a widespread issue with U.S. Bank XXXX, which is more concerning.

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 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/2018, at approximately XXXX XXXX, I attempted to open a checking account at the Chase Bank branch located in the XXXX XXXX store in XXXX XXXX, OR. 
I was asked for 2 forms of identification, which I provided, plus my Veteran 's ID. 
Everything was proceeding fine, until XXXX, the lady opening the account, asked me why I was opening it, and I mentioned that my youngest son was investing in crypto-currency such as Bitcoins, and wanted me to invest as well. She immediately told me that because I mentioned that, I could not open the account after all. I told her that did not seem right. 
She went to talk to her manager, who came over and told me the same thing. She said that it was their policy not to issue accounts to be used for Bitcoin or other crypto-currency transactions. I asked to see that in writing, and she failed to find it, and seemed to fail to get any verification over the phone.

Then I said, " Okay, I changed my mind, I just want to open a checking account to write my son a check. '' I was still refused a checking account because I had mentioned Bitcoin purchase before. 
I felt discriminated against, embarrassed, and angry all at the same time. My oldest son, who is also a Veteran happened to be with me, and witnessed the event, and was also shocked and amazed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is about a {$150.00} statement credit stated in the promotional terms and was also confirmed by sears cardmember services in a letter that it will post to my account on XX/XX/17. But as of today that credit still hasn't posted.

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 monetary relief
Consumer complaint received 2018-01-26 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: WA

Complaint narrative:
Transunion is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 

Please remove information from my credit file. ( XXXX, XXXX, Transunion ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]

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 2018-01-26 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: AES/PHEAA
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with XXXX, XXXX, and XXXX. The credo bureaus remove it, however XXXX XXXX XXXX continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at XXXX to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to also send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : XXXX XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I did not solicit this company for any product or service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I attempted to dispute several old and inaccurate items on my report through Experian on line. They refused every attempt and required that I call them to dispute the items. When I called, she asked me to go through each item and she would review it then. There is no way this is possible and I am assuming they would categorically deny any dispute. Not only is this a waste of time but it is extremely cumbersome and inconvenient, I will now have to submit them all in writing at this point as I have no other fair option to remove these items.

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 2018-01-26 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: TX

Complaint narrative:
To Whom It May Concern : I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account with Account Number XXXX. I am not responsible for any charges made to this account. 

Enclosed are copies of of my police report ID numbers from XXXX XXXX Police Department supporting my position. I've tried disputing with Equifax,XX/XX/XXXX and XX/XX/XXXX The credo bureaus remove it, however XXXX XXXX XXXX  continues to report this fraudulent account unto my report.Therefore, I was advised from a staff member at Equifax to deal with the creditors individually to prevent further confusion. Please have them close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account. 

I've requested for XXXX XXXX to also send me a copy of the consumer contract with my signature on it as referenced in the Fair Credit Report Act Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ) for verification purposes because I do not recognize this account, and it does not belong to me. Up to this point, I've been waiting on the requested information and have been provided with nothing. Therefore, I am requesting for this particular account to be removed from my credit report according to my rights in Section 611 ( 5 ) ( A ). 

In addition to support my case, please review the past complaints I've submitted with the bureaus. They continue to say the account is mine but it does not belong to me. They have also not conformed with the Fair Credit Reporting Act. CFPB please review complaint ID numbers : XXXX XXXX CFPB Complaint : XXXX Credit Bureaus Complaint ID : 1. XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6.  XXXX Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hi Dear Coinbase Support Team. 
By mistake i have given the coinbase ETH address during XXXX  XXXX, and i have recieved my XXXX $ CRPT coins in coinbase address  XXXX. 
Please look into the issue ASAP and either transfer the token to my correct MEW ETH address or Send the transaction back to the sender. 
My friend did the same in XXXX and XXXX sent the token back to sender. 
Please do the needfull ASAP. 

Please send the transaction back to my correct ETH adress XXXX or to the sender back. 
your help is highly appreciable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: WA

Complaint narrative:
Experian is reporting incorrect and fraudulent information on my credit report. I have never opened an account with XXXX XXXX XXXX or never entered into any agreement or contract. 
Please remove information from my credit file. ( Experian, XXXX XXXX ) Please find the enclosed Affidavit of Identity Theft, regarding the above mentioned account. Please cease from reporting this information on my credit file [ FCRA 623 ( a ) ( 6 ) ( B ) ]

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 2018-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I submitted a loan modification package and then once I found out that I was denied I appealed. I was never sent denial letter initially. Wells Fargo then attempted to proceed to sale but my attorney wrote them a letter an started the appeal process. Once the process began Wells Fargo requested a list of documents to verify income. All of the documents were faxed within the 8 days before sale with most of the documents faxed 12-15 days before sale. The last document did not go through on Wells Fargo 's fax and was refaxed on XX/XX/XXXX. Wells Fargo requested this documents which is evidence of support payments between the borrowers but it is an unnecessary document because Wells Fargo is considering all of the borrower 's income. The bank required the submission of proof of self employment income from the borrower that was making the support payments. In addition in the reinstatement interview it was never asked nor represented that the borrower and spouse are not currently living together. The support payments are not from an outside source and all the income in the household was presented. Wells Fargo has a full package and they had it timely and they are refusing to review the package for a modification. Wells Fargo is requiring unnecessary documents and is not complying with Regulation X with regard to my loan

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 2018-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
XXXX at XXXX XXXX- Kings Credit Service called my place of employment. Said they had every right to contact me at any of the numbers they had. I explained to them that they can't contact me at work or my employer because I am not allowed calls at work and will be fired. XXXX said that was incorrect they could contact me at work if they couldn't get in touch with me any other way. I explained to her that i didn't know about the bill at first, thought insurance had paid it but can't afford to pay it right now. i am trying to pay other dr. bills as much as i can at the moment. I remember the bill from XXXX XXXX saying they would not take payments you had to pay all of it at once if insurance didn't pay. I called XXXX back and told her that i could not get calls at work and that it was not legal for them to contact me after i tell them not to at work. she stated that it was legal and they could contact me at work if they needed too. again, i will be fired and can't get calls at work. I also sent them an email to contact them and told them not to contact my employer or me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 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: CORELOGIC INC
State: MD

Complaint narrative:
I have an inquiry from Credco reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at Credco in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX  number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.

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 2018-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase charged me debit card fee on buying crypto currency in the XXXX. In the XXXX its illegal for companies to charge a fee for using their debit card for any purchase. This law came into force on the XX/XX/2018. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America contacted me in early XXXX, 2017 and told me that there was fraudulent activity and someone had cashed 3rd party checks in my name against my account. These checks were written on XXXX XXXX ( a company the XXXX XXXX I work for has done business with in the past ) payroll checks. The checks were made out to me ( XXXX XXXX ) with my address and a signature on the back that looks very much like my own. Once XXXX XXXX learned of the fraudulent checks, they stopped payment which caused Bank of America to withdraw the money from my personal account to cover the checks ( approximately 2,000 - I am a single mom and that is quite a lot of money to me! ). I filed a police report and the XXXX County ( Georgia ) detective told me that he sent a subpoena to Bank of America requesting the video footage and other transaction information - he says that Bank of America replied that they can not 'locate any transaction information '. The detective told me there is nothing he can do if Bank of America is not willing to send him what he has requested. Meanwhile, the Bank of America Fraud Department has denied my claim stating that I authorized the third party to cash the checks. They have not proof of this. There is someone walking around with my money, my bank account information, my name and address and Bank of America is unwilling to help me. I don't know what else to 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 monetary relief